davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX Mortgage ( XXXX ). There is a 30-day late that occurred in XXXX of XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XXXX of XXXX, because XXXX cancelled XXXX auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XXXX of XXXX. We made our first payment in XXXX of XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
Consumer complaint received 2022-06-17
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX, CA XXXX, XXXX XXXX  XXXX  XXXX XXXX, CA XXXX, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (MD)

I purchased a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX STOCK # : XXXX ( USED ) VIN : XXXX XXXX XXXX XXXX though my business XXXX XXXX XXXX XXXX XXXX along with GAP insurance on XX/XX/XXXX. My vehicle was involved in a accident and was totaled on XX/XX/XXXX. I reported the accident to XXXX XXXX which is my car insurance. My vehicle had full coverage and the vehicle was deemed totaled. Since XX/XX/XXXX Mercedes Benz Financial has refused to cooperate with XXXX XXXX. Mercedes Benz Financial refused to give XXXX XXXX the appropriate title to settle the case. Since XX/XX/XXXX, several representatives at Mercedes Benz Financial have given different and conflicting responses to the reasoning for the delays in giving the insurance company the appropriate paper work for the claim. Due to the delays on the part of Mercedes Benz Financial I have accumulated car payments that I can not afford and have affected my credit with late remarks because of the long drawing out of the process. Mercedes Benz Financial now wants to default my loan. I suspect that my vehicle never had the legal appropriate title work since my purchase, making my loan contract faulty and possibly invalid.
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Celebrity Financial, Inc. (IL)

I have NO interest to apply for a mortgage loan. I have NEVER authorized a hard inquiry for applying for a mortgage loan through Midwest Equity, or Celebrity Home Loans as of the name of the parent company. 

I checked my credit report for XX/XX/2022, and found a hard inquiry that is not authorized by me. I initially filed a complaint to the XXXX XXXX XXXX XXXX because their name showed on my credit report. They responded to me that the unauthorized hard inquiry is from Midwest Equity ( under Celebrity Home Loans ). I tried to reach out to Midwest Equity by email : XXXX but there is no response. I also tried to submit a complaint to Midwest Equity and they say I should contact Celebrity Home Loans. 

Again. This is NOT an authorized hard inquiry and I have ZERO interest to apply for a mortgage loan. please remove my hard inquiry AND my personal information from your system. Please don't push the ball to the Midwest Equity and please resolve my issue here. I already put a fraud alert through XXXX. Thank you.
Consumer complaint received 2021-09-02
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)

Experian added something to my almost perfect credit. This reduced my score by over 100 points. I can not get through to anyone there to make the correction. I believe they just hung up on me. Is this legal for them to have such an impact on my life and not even have the courtesy to talk to me regarding this?
Consumer complaint received 2020-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have used experian for a long time to freeze my credit. I even have the same pin for years. 

I Sent certified mail to experian to un freeze my credit because they would not recognize my pin # they send to me. I sent all my identification as requested. 

I even sent a 2nd letter asking again to unfreeze my credit again with the same identification. This time to permanently unfreeze. 

I pull credit reports for my business and can not even use XXXX for my applications because my credit is frozen
Consumer complaint received 2022-06-17
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)

The Credit bureaus stated my account was properly investigation but how is that possible if the, DATE OPENED IS WRONG,, BALANCE IS WRONG, HIGH CREDIT IS WRONG, LAST REPORTED DATE IS WRONG, DATE LAST ACTIVE IS WRONG AND THE DATE OF LAST PAYMENT IS WRONG! 

This grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681e Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. 

15 U.S.C. 1681n Section 616 ( a ) Civil liability for willful noncompliance In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

DRS IS A MEDICAL COLLECTION COMPANY WHO UNLICENSED UNREGISTERED IN FLORDA AND HAS NOT VALIDATED this collection which I requested THROUGH XXXX XXXX OR XXXX. MAILED A CEASE AND DESIST LETTER TO DRS AND they RECEIVED AND SIGNED ON TRACKING by USPS ON XX/XX/2022. Also u see Florida state statues and constitution XXXX. There are rules and regulations for out of state collection agency. 
This DRS HAS NOT VALIDATED DEBT AND ARE POSSIBLE VIOLATION OF STATE REQUIREMENTS TO COLLECT IN FLORIDA.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

Used chase ultimate rewards points to purchase a {$100.00} restaurant e-gift card. The points were deducted but the email gift card never reached me. 

The order was placed on XX/XX/2024 and today is XX/XX/2024. 

I've contacted chase at least 5 times and raised an escalation request at least twice.The latest request number is XXXX. 

The refuse to do take action or help me. I even changed my email address in their system to a new gmail address and asked them to resend the e-gift card to the new email address. They haven't even done that yet. 

I'm reaching out to CFPB for help.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I requested a {$10000.00} refund on my last loan payment. That submission was on XX/XX/2022. I have since never recieved the refund nor my balance has been updated on the loan servicer website. I have called multiple times since then and no one has an update for me and I have since seen no refund or movement on my refund request.
Consumer complaint received 2023-05-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (UT)

This debt collection agency suddenly appeared on my credit report XX/XX/XXXX. At first I didn't recognize this debt because of the absurd amount that it reported owe. The debt collection agency is XXXX XXXX XXXX XXXX. The amount they are reporting is {$7800.00}. I disputed this XXXX times. I have never received anything in the mail, or call regarding the debt. It took my a while to figure out what debt they were referring to. When I found the initial loan document, the amount financed was {$1500.00}. I am not sure how they came up with the amount of {$7800.00}. I disputed both with XXXX and XXXX, but XXXX XXXX XXXX is confirming that they have the correct information. I disputed on XX/XX/XXXX and XX/XX/XXXX. They have yet to justify the amount hey are claiming I owe, even though I have sent them a copy of my initial loan document.
Consumer complaint received 2024-05-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

As the issue was resolved through XXXX investigation, it did take a year of writing, phone calls and diligent follow up with XXXX. 

The agency, Fair Collection and Outsourcing of XXXX Md, according to the online profile, is an agency whose customers are rental agencies. Soon after my court date, I would say within weeks they reported to XXXX an amount greater than XXXX dollars due without proper paperwork to support their claim and XXXX then published that information. 

From the rental office to the executive office of XXXX XXXX, I spoke to and was given an assurance that was an error, and their files do not have me owing them any monies. Yet the collection notice remained and has had an adverse effect upon me establishing credit, and credit checks. 

It took another six months for FCO to send their supportive documentation, a handwritten summary of the walk through done by their property manager after my departure. No court stipulations, nothing. 

I've asked XXXX for a summary of their investigation cc below : XX/XX/XXXX Re : confirmation # XXXX I received the results of the above investigation and its results that the information was deleted from my file. 

I am requesting from XXXX a description of the procedure used to determine the accuracy and completeness of the information provided by Fair Collections and Outsource, XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and subsequently was placed as a collection notice on my credit report starting XX/XX/XXXXXXXX XXXX 

Thank You XXXX  cc : Consumer Financial Protection Bureau
Consumer complaint received 2022-06-17
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. (CA)

I instantly called Transunion the moment I received the copy of my report that I purchased with XXXX XX/XX/, 2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there were CHARGE OFF and COLLECTION accounts 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 my credit report which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.
Consumer complaint received 2021-03-28
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. (CA)

I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my XXXX  / XXXX  and Experian, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though XXXX  / XXXX  / EXPERIAN agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.
Consumer complaint received 2022-06-17
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. (CA)

I instantly called Experian the moment I received the copy of my report that I purchased with XXXX XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there were CHARGE OFF and COLLECTION accounts 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 on my credit report and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act XXXX XXXX ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security NumbeXXXX are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (AZ)

Called credit bureau and asked for verified proof debt was mine. Several calls and emails they refuse to give me the information but stated they did verify debt. Contacted the company the debt is through, Affirm. Called 4 times, I was hung up on every time. The 5th call I finally spoke to someone who said that they dont have to send me anything and that they will be sending me to collections. After repeated attempts, I have still received nothing from either the credit bureaus or Affirm. Now I have been sent to collections, a company called XXXX. Spoke to them and told them they can not collect until I get proof the debt is mine. Just received a bill with no proof. It states I have until XXXX XXXX to request proof of debt or I assume the debt is mine. Again, I have asked several times and they are still showing late payments on my credit and still have not sent me any proof of debt.
Consumer complaint received 2022-06-17
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. (TX)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc. (AL)

The original biller : Did not bill using the appropriate codes and modifiers. Therefore the insurance company rejected their claim. The insurance company ( XXXX ) explained how to bill appropriately and explained that to the original biller, who refused to include the modifier. I tried to explain to the biller what was required with a response that I know how to bill and the insurance company is wrong. I provided documentation that showed that the insurance company rejected it with the code as to why. This documentation showed that my out of pocket and deductible were both met. The biller still refused to bill correctly. This documentation has also been sent to the collection company. It is not appropriate to attempt to collect a debt that is caused because the biller does not know how to use insurance appropriately. This is clearly a dispute between XXXX and Credit Systems Inc or between XXXX and XXXX  XXXX XXXX XXXX. Both XXXX representatives and I attempted to assist XXXX  XXXX XXXX XXXX to bill correctly. Please note : That this is a single charge correction, total billing from XXXX  XXXX XXXX XXXX were significantly more and were all billed correctly and were paid.