davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (TX)

I am reaching out to you directly to get further assistance regarding an outstanding balance Radius Global Solutions ( RGS ) forwarded to the Credit Bureau Agency. I received a second alert from XXXX  and XXXX regarding this outstanding balance. However, I never received phone calls nor letters in the mail regarding this matter. 
Had it not been for XXXX and XXXX providing me with the notificationalerts, I would not have known anything about this. I contacted RGS at the phone number listed below from the website and spoke with a young lady who was not able to find my information in the system. I asked her to transfer to a supervisor, which she did after begging her to do so. She initially told me that she may not be able to do that because she works from home and does not have that information. She transferred the call to a gentleman who was able to transfer me to the correct person, Supervisor XXXX XXXX (? ) from the MN office. She tried to help me but was not able to find my name in the system as well. She asked that I provide my SS number to her, and I declined. I provided all the other information she asked for, but she was not able to find my name in RGS 's database. If I truly have an outstanding balance with a company that RGS works with, I am fine with that and will settle it timely. All I ask is to be notified of this appropriately before my information is sent to the credit bureau. When the RGS employees were not able to locate my information, I can't help but think if this was fraudulent activity. If it is, then it needs to be brought up to the credit bureau for further investigation. I just hope that this was an oversight on someone's part. And if so, I am needing your assistance to get it rectified as soon as possible. 
Thank you for taking the time to read my lengthy background information.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GUARANTEED RATE INC. (CA)

I did not knowingly authorize the following to do a hard inquiry : GUARANTEED RATE XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 Permissible Purpose : CREDIT I asked Guaranteed Rate for a letter of deletion and they refuse. I asked XXXX  to dispute it and they said they don't do anything for hard inquiries that my only solution is to get a letter of deletion from Guaranteed Rate.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I have 5/3 bank credit card for years. All of a sudden they closed my account and also adversely impacted my credit score. I had always paid the card in time. My score went down by 1 due to this. 
5/2 bank never gave me any warning or intimation before closing my account.
Consumer complaint received 2020-06-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters that were sent via certified mail XX/XX/2020 .It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-02-10
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. (AR)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-06-26
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NY)

The Federal government issued a halt on all federal student loans collections until further notice due to the corona pandemic. The federal government sent a letter to my employer XXXX XXXX XXXX to cease preforming a bi-weekly 17 % collections of wage payments to the collection agency Professional Bureau of Collections of Maryland until further notice. 
My loan is not in default if it is placed on hold by the government due the countries pandemic. and Professional Bureau of Collections of Maryland Inc should not have reported to XXXX  credit agency that I was {$4800.00} in default. When it was professional bureau of collection that stop taking the money. Now this agency has cause sever damage to my credit rating.
Consumer complaint received 2020-02-10
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. (TN)

I went through a divorce and I have a daughter that is totally XXXX. I was on time with my payments when I was put through a divorce. Now my interest and payments jumped up XXXX. Making it almost impossible to pay back. I am just now getting back on track where my check isn't garnished from marital debt that I was left with. I am getting ready to lose my job cause it is moving and closing. 

It is impossible for struggling people pay when the loan company Navient charges so much interest. If the interest was lowered and it was closer to the true amount I actually owe, I would be able to pay my debt.
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2023-07-25
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. (CO)

On XX/XX/XXXX I was notified of a hard inquiry on my credit report from XXXX. The same day, also on XX/XX/XXXX, I received a confirmation email from XXXX 's congratulating me on my new XXXX 's XXXX XXXX, issued by XXXX XXXX. I can't even remember the last time I went into XXXX 's ( if I ever have ) and I NEVER applied for this credit card. 

About a week later, the XXXX 's card showed up in my mailbox. When I called the " card services '' number listed, the person I spoke to immediately said she needed my social security number. I didn't feel comfortable offering this information and I hung up. 

Furthermore, I almost missed both the credit alert and the initial XXXX 's email because they were buried in what I have since learned is called subscription XXXX. On XX/XX/XXXX, my email was flooded with hundreds of confirmation emails from hundreds of random websites.
Consumer complaint received 2023-07-25
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. (PA)

someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (GA)

these unauthorized inquiries is violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I need them delete this unauthorized inquiries off my credit report. 

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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

My primary residence loan was sold from XXXX XXXX  to The Money Source ( TMS ) in XX/XX/2019. 
Since then, TMS has notified me & billed me for an ~ {$1800.00} Escrow shortage and began billing this XX/XX/2019. I have notified that this balance is inaccurate as neither my insurance nor my property taxes have increased to a sum of {$1800.00}. 

I have requested for summary on three occasions spanning several months, however, TMS has no provided such and has given no timeframe to do so. I have paid in good faith for XXXX, XXXX, & XXXX, totaling XXXX {$480.00}, and still not received any information to support this claim. 

TMS appears to be content with charging me additional money on my mortgage without proof.
Consumer complaint received 2023-07-27
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. (TX)

These accounts are not mine Ive been incarcerated since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : XXXX XXXX  acct XXXX, XXXX XXXX, XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX acct XXXX,. inquiry XXXX XXXX,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed according to the court FCRA Status please remove all above listed accounts and inquiries thank you
Consumer complaint received 2023-07-27
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. (GA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX  is the company, along with Experian. 


This continues to be a nightmare with XXXX, i am not able to apply for another work opportunity due to multiple multiple FCRA violations in which XXXX  continues with willful intent to ignore. Numerous disputes with XXXX  for over a year now have fallen on deaf ear, and it shows up as not disputed ; why? XXXX   shows a different address from what Experian has ; neither credit reporting agency will provide a telephone number. Consumer Protection Finance Bureau has previously reached out to this corporation as well under complaint number XXXX and this corporation has stated it does not belong to them. This isnt making sense, i need to see the documents showing proof this alleged debt is mine.XXXX  also needs to show in writing the step by step independent investigation performed. This company name on the report shows XXXX XXXX XXXX, account # XXXX. 

This company has various names including XXXX XXXX XXXX. XXXX  has deleted this non-verified inaccuracy, so if XXXX  can not verify, how has XXXX   and Experian conducted an independent investigation for verification? 

There are too many FCRA violations to place without making this a long complaint. Experian shows a XXXX XXXX XXXX XXXX, XXXX TX XXXX for an address without a phone number, and TransUnion shows an address of XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, which is a registered agent for this company and/or companies. 
TransUnion is showing a payment on XX/XX/2019, and Experian just states that a recent payment was made, who paid? Experian also is showing an unfamiliar name on the report as XXXX XXXX, who is that? A charge off showing a balance due? Wow, i am flabbergasted as to how employees are trained here. As previously stated, there are too many FCRA violations to report here without making a long drawn claim. 

Thank you for your time. 

By : XXXX.
Consumer complaint received 2023-07-28
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. (CA)

I disputed a collection account with Equifax and XXXX. I informed the credit reporting agency I had no knowledge of having XXXX XXXX  account sent to collections. Equifax and XXXX failed to provide debt verification and/validation. The collection account was not removed from my credit reports.
Consumer complaint received 2023-07-27
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)

There is an account opened on my credit report from XXXX or 2023! The account is XXXX XXXX XXXX  the account number is XXXX. This is not my account and it is fraudulent. Its also defamation to my character by having this reporting to my credit report. I have reached out to the company but havent heard anything.
Consumer complaint received 2023-07-26
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. (IL)

This CFPB Complaint serves as a follow-up to my previous complaint, in which I requested the Credit Reporting Agencies to investigate and remove the accounts resulting from fraudulent activities. On XX/XX/2023, I sent dispute letters to each of the Credit Reporting Agencies, providing copies of my personal identifying documents and the FTC report I received from the Federal Trade Commission, which documented the fraudulent accounts on my Credit Reports. I hereby request the Credit Bureaus to conduct a thorough investigation of the following accounts and promptly remove them from my Credit File in accordance with the Fair Credit Reporting Act Section XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XX/XX/2023 XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. I want to emphasize that these accounts were not created by me, nor did I authorize anyone on my behalf to do so. They are undoubtedly fraudulent and must be expeditiously removed from my Credit File. As an added precaution, I have attached the letters I sent on XX/XX/2023, as I am concerned they might not have been received by the Credit Bureaus. This complaint serves as assurance that the Credit Bureaus will indeed receive the letters.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  and Transunion are reporting incorrectly that I am ( 120 )  days late on the DPT ED/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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