davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (NJ)

After reviewing my credit report, I have informed you that following are inaccurate accounts, Please do your reinvestigation correct, update or remove accounts that I said incorrect and forward me an updated credit report immediately.
Consumer complaint received 2022-02-08
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. (WI)

I wish someone would have said this federal student loan forgiveness is not for loans with Navient. This along with me having paid them with court ordered payment plan which I know have been told is not recognized has now made me from being paid off to having a balance of around {$2000.00}. I guess I do not understand how this can be happening. I have paid on the loan since 2001 and still owe them money. Thanks for letting me get this out.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CLGF Holdco 1, LLC (TX)

XXXX continues to report information on my address incorrect : I have never in life live at XXXX XXXX XXXX XXXX, XXXX XXXX, Il. XXXX 
XXXX and XXXX continues to report inaccurate credit card information probably at that address : XXXX  and XXXX report accounts showing charged off that is not connected to me or my address. 
My address is : XXXX XXXX XXXX XXXX, Texas XXXX and my mailing address is and has been for the past 9 or ten years XXXX XXXX XXXX XXXX, Texas XXXX.
Consumer complaint received 2022-07-03
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: Lewis, McDonnell & Associates (PA)

In accordance with the Fair Credit Reporting act Lewis McDonnell & Associate open on XX/XX/2020 has violated my rights. 

1

5 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
Consumer complaint received 2022-03-29
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. (MI)

I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT, YOU ARE IN DIRECT VIOLATION OF THE FCRA ... .....
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account was disputed, got deleted and reappeared on credit report with a different amount of what the collection agency ( XXXX XXXX ) sent me and also account is showing open when in fact its already in collection. 

15 USC 1681 Section 602 A : States i have the right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

1 ) account cant be in collection and still remains open 2 ) Agency violated my rights 3 ) Agency failed to mark account as disputed 4 ) Account has differnt amount from what the collection agency sent me on letter attached.
Consumer complaint received 2022-06-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (ME)

In XXXX I purchased a XXXX XXXX XXXX, VIN # XXXX and borrowed money from HSBC Bank XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. I paid the loan in full in XXXX and neither the State of Maine Department of Motor Vehicles nor I have received a Release of Lien. 

I was able to talk with a representative of the Bank one time and was told they show no record that I owe that institution any money. I asked that a contact, either an email or a letter, be sent to the Department of Motor Vehicles. I was told that it was impossible because they have no record of the original loan since it has been so long ago. 

I have tried to contact HSBC Bank several times since then and have had no success. The motorcycle has been in storage for several years since I am unable to clear the title. I have a potential buyer for the bike and the new owner wants a clear title so he can register it and be able to ride it. 

Please inform me what I can do to clear up this issue. Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX
Consumer complaint received 2022-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CO)

This is the continuing response- I should not be charged overdraft fees, US Bank says, due to these being " automatic withdrawals '' they must do so. See Below- Hi again XXXX XXXX I'm sorry we aren't able to refund additional fees unless they're from a bank error. 

As I mentioned before, to avoid overdraft fees, the balance must be brought positive the same day it falls negative. I found the account was negative from XX/XX/2022 until a direct deposit came in on XX/XX/2022. 

If you aren't wanting to open a Safe Debit account, I'd recommend setting up one of your other accounts as overdraft protection. In the future, if there were a time where a payment were to come out of your main checking and there was not sufficient funds, if you are wanting to link your other accounts as Overdraft Protection, we can automatically transfer the money to your checking account to cover the balance and make sure no fee is charged. 

If you are wanting to link your other accounts as overdraft protection pleas follow these steps once signed in. 
* Select your checking account and choose " Overdraft Options '' from the menu on the left * Select " Overdraft Protection '' * From the drop down, select your checking account and set up your overdraft protection as desired and submit Respectfully, XXXX XXXX

U.S. Bank Email Operations Department
Consumer complaint received 2022-02-06
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. (MS)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing Financial injury, Defamation of Character, and had hurt my ability to obtain credit & employment. 

on XX/XX/2022 I reached out by letter to the credit bureaus about inaccurate information on my credit report and still have yet to receive a reply or any type of resolution.
Consumer complaint received 2021-10-02
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. (CO)

The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

I tendered a payment under UCC 3-603 certified mail # XXXX XXXX XXXX XXXX XXXX Billl of exchange Money order # XXXX on XX/XX/XXXX via notary presentment with Form 233, and 1040v
Consumer complaint received 2022-02-05
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (NC)

My homeowners insurance company sent me a letter at the beginning of this year that my premium for the upcoming year ( starting in XXXX XXXX ) would be increasing by {$1500.00} up to {$4100.00}. They said in their letter that this increase was due to a consumer report on my credit from LexisNexis credit reporting. 
I first thought this was weird because my regular credit score is routinely around 800, but there is apparently a second, different credit score that was used. 
I ordered a copy of my consumer credit report from Lexis Nexis, which was mailed by them XX/XX/XXXX and received by me through the mail some time after. 
In their consumer report I received, there does seem to show any negative information about my family 's credit. I called LexisNexis shortly after to go through the consumer report which appears to show accurate information overall. They could not really explain thoroughly what aspect on the report was actually a negative. The only thing they mentioned was the rolling history of my bank accounts, credit, and loans for which I have never had a late payment. 
The strange thing is that my homeowners insurance is choosing to hold the length of those accounts against me now even though all of them were already in existence when I began my insurance coverage with this company in XX/XX/2017. 
It seems that my homeowners insurance company has arbitrarily chose to hold my account lengths against me now and try to increase my yearly premium by about 44 %.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (MI)

I applied for and received an XXXX Credit Card backed by the First National Bank of Omaha. I received the card and when setting up my account online, I saw that someone had already fraudulently charged {$270.00} on the card. I contacted the credit card company three times and they refuse to take the charge off claiming I made the purchase. I didn't have the card or my account number when those charges were made so I couldn't have purchased anything. I have contacted the Dispute Specialists on three separate occasions ( XXXX, case # XXXX ), but they keep insisting I made those purchases which I did not.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Hello CFPB, I had made a payment via US Mail on each of my loans with Select Portfolio Servicing ( SPS ), loan numbers XXXX and XXXX. 

The checks were received late or lost by SPS and I was incorrectly marked 30 day on my credit report. 

I called SPS and explained to the representative what happened. I provided documentation including copies of the checks and the postmarked envelopes showing the mail date of XX/XX/2022. I was told my request for removal of the 30 day late would be reviewed within 30 days and I have not heard back from them yet regarding this issue.
Consumer complaint received 2022-02-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE XXXX XXXX APP IS XXXX AND THE SCORE I SEE ON XXXX XXXX  APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED XXXX XXXX XXXX THEY ADVISED ME THAT MY CREDIT SCORE IS XXXX THROUGH XXXX, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST XXXX POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME STUCH IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are reporting date filed on XX/XX/2015, while Equifax is reporting the date filed as XX/XX/2015. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and Equifax reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well. 
Certified mail Tracking number XXXX mailed to US Bankruptcy XXXX New York XXXX
Consumer complaint received 2022-02-04
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. (TX)

Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (TX)

Previously I had a BBT credit card in my name that was opened in the XXXX XXXX TX branch without me being present or signing my name to any documentation by a banker that was opening an account for a XXXX XXXX XXXX XXXX with my husband. My husband opened all of the deposit accounts w/ joint ownership, which I agreed to. However, the banker lied to my husband & told him that the credit card was in his name only since he was the one in the branch at the time. We proceeded to use the card but elected to close the account bc BB & T erroneously reported 4 late payments on my personal credit, which was incorrect, as we had setup autopay and bc bbts system was terrible at best, our autopay wouldnt work certain months and we were locked out of making payments manually online, as well. Therefore, when we raised these concerns, bbt came to an agreement with us that they would remove this card entirely from our credit report when/if we paid off the card, which we did, and bbt proceeded to remove the card from all bureaus until a year later when they showed back up & caused my credit score to plummet right before buying our $ XXXX house- this increased our APR from 2.66 % to 3.375 % costing us XXXX of dollars! I demand removal of the bbt card immediately and in return we wont file suit against bbt & their criminal banker that used my info to open a CC without my approval.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXt Account # XXXX by XXXX, has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-29
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. (GA)

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XX/XX/2022.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NJ)

Upgrade is the creditor that I took a personal loan out on and I have the two line of credit or credit cards. I have not used these cards for a while and they both are reporting balances which is incorrect. Both of the credit cards have a zero balance on them. This is causing many many issues with my credit report and it's extremely hard to get the company to correct this information. I am left to file a complaint with CFPB in order to assist me. Please update the credit report and correct the balances on these line of credit credit cards.
Consumer complaint received 2021-12-24
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: EQUIFAX, INC. (FL)

I got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal information
Consumer complaint received 2022-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Continental Finance Company, LLC (FL)

Received an email congratulating me on the approval of a XXXX XXXX XXXX - Phoned the company and found out that someone has my personal information and used a phone number ( XXXX ) XXXX to apply for the card. The phone number is disconnected. 
I have reported this to all 3 credit bureaus and placed a security alert on my own credit file.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The following Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accountd below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX )