davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I spoke with barclays in XXXX and XX/XX/2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to barclays. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!
Consumer complaint received 2020-02-13
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)

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an XXXX victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, the XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-16
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: EQUIFAX, INC. (CA)

I have a closed account with XXXX XXXX XXXX for a auto loan taken out in 2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ XXXX due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.
Consumer complaint received 2020-02-17
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. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX  Creditor : XXXX XXXX ( XXXX XXXX ) - Account : XXXX Creditor : XXXX XXXX ( OC : XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (TX)

My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an XXXX  victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, XXXX  XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-17
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. (PA)

Credit Bureau did not delete the error on credit report from XXXX XXXX. They reviewed it and found it accurate. This is information which is derogatory and defamatory and which is inaccurate and false. This information needs to be deleted from my report as this collection has never been validated.
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Huntington Bank holds the loan on my auto. Unfortunately when you sign up to pay online the system does not allow you to see the history of your payments and when I attempt to make a payment early it denies me that right. It seems the only way around this is to open a Huntington Bank account which is absurd. I should not have to open additional unwanted bank accounts to access my information so that I can properly handle my loan as I see fit.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX car sales ran my credit 3 times, i only authorized them to run my credit one time. i spoke to the credit manager XXXX at XXXX car sales in at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX several time and told him only to run my credit one time. 
He ran my credit 3 times. 2 times with TRANSUNION for XXXX XXXX XXXX, on XX/XX/2019 and XX/XX/2019. XXXX told me thereafter that XXXX XXXX HAD DECLINED THE LOAN, HE SPOKE UNTRUTH. 
XXXX XXXX XXXX TOLD ME BOTH TIME THEY DID RUN THE CREDIT AND BOTH TIME THE LOAN WAS APPROVED. 

Then XXXX XXXX XXXX ran it again 1 more time with XXXX for XXXX XXXX on XX/XX/2019. 

2 TIME THEY RAN MY CREDIT UNNECESSARILY AND WITHOUT MY APPROVAL ANOTHER PROBLEM WITH XXXX XXXX XXXX IS THAT THEY PAID XXXX FOR THE CAR BEFORE IT WAS DELIVERED TO ME AND I HAD A 45 DAYS BEFORE THE FIRST PAYMENT WAS DUE AND THE REFUSED TO ADJUST IT, TELLING ME I HAVE TO FIGURE THAT OUT WITH XXXX XXXX SALES IT MAKE NO SENSE. 

ANOTHER PROBLEM IS THE INTEREST RATE ON LOAN WAS 3.99 %, THE MANAGER SHOWED IT TO ME ON THE COMPUTER, AND WHEN THEY GAVE ME THE PAPER WORK ITS NOW 5.99 %, THIS IS FRAUD.
Consumer complaint received 2020-02-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fay Servicing, LLC (FL)

Our mortgage is currently held by Fay Servicing, a debt collector. We had some financial issues and as per their website and customer service, we applied for assistance through a loss mitigation form in XXXX. After countless back and forth for additional documentation the application was deemed final on XX/XX/XXXX and a notice was sent to us stating that they would make a decision within 30 days. 
We received word yesterday that out application for a deferment was denied and we are qualified for a short sale. This is not what we applied for. Now they are threatening foreclosure unless we pay 4 months mortgage in one lump sum to reinstate the loan. At no point in this process were we made aware that this was a possible outcome. 

After further investigation I see that this predatory practice was recognized by the CFPB and action was taken against Fay Servicing in XX/XX/XXXX. I urge you to look into their practices as it seems from our example that they are eager to have their customers foreclose on their properties.
Consumer complaint received 2020-02-16
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: CITIBANK, N.A. (CA)

I was going over my credit report and Citi Cards put an unauthorized inquiry on my report XX/XX/19. I did not authorize this, nor did I apply for a line of credit with Citi Cards. I am not sure how they retained my information, but I am 100 % I am not responsible for that inquiry.
Consumer complaint received 2020-02-12
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. (MT)

RE : CFPB Complaint # XXXX-XXXX  Experian failed to read the letter attached to the complaint which detailed multiple legal issues regarding the erroneous US Department of Education entries on my credit report. According to their response dated XX/XX/XXXX via Experian report # XXXX, they only addressed a fraudulent collection account which had apparently been removed from my credit report by the time they finally received CFPB Complaint # XXXX-XXXX. 

Consequently, their response was incomplete and has, once again, failed to address all of the dispute issues within the 30 days originally provided to them by me in late XXXX. Exactly how many " chances '' do they receive before they are sanctioned for continuing to violate FCRA and other laws? 

Who had contact with US Department of Education in XX/XX/XXXX I had no such contact with them so they are violating FCRA by posting that as a status date in addition to the fact that both US Department of Education and Experian have repeatedly failed to provide me with any of the legally required evidence proving that those debts belong to me - which they do not. Again, all in direct violation of FCRA and other governing laws. 

It is very important to note the attached XX/XX/XXXX letter about this issue that I sent via USPS Certified mail to Experian which they 100 % failed to answer whatsoever - yet another third-party witness verification - USPS Certified mail delivery confirmation is considered sworn testimony - of their repeated failures to respond within 30 days as prescribed by FCRA and other governing laws. 

I am attaching all available USPS Certified Return receipts from my correspondence directly with Experian in XXXX as well as my recent letters addressed to CFPB about this still-unresolved non-response about the erroneous US Department of Education credit report entries.
Consumer complaint received 2020-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

This is a complaint against Paypal for the account user with email XXXX. Paypal has a negative balance for this account totaled - {$930.00}. The negative balance was paid from my XXXX account on XX/XX/2020. 

An item was sold on XXXX for XXXX. After the sell the buyer requested a refund in which the money was refunded via Paypal for XXXX, which left a negative balance on my Paypal account. The buyer never returned the purchased item ( tracking provided which shows the item was never sent ). This meant the buyer had his money returned and also the item purchased through XXXX. 

On XX/XX/XXXX, Paypal was paid XXXX via XXXX ( document provided ) to cover the negative Paypal balance. A dispute was opened with XXXX and Paypal which stated that I never received my item I sent to the buyer and money has been sent to Paypal through XXXX to cover the negative balance. 

Today XX/XX/2020, I still have a negative balance in Paypal and XXXX has paid Paypal on XX/XX/2020 but Paypal has NOT updated the Paypal account to reflect this payment. 

I would like Paypal to acknowledge this payment and to bring the account current.
Consumer complaint received 2020-02-13
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)

TransUnion has blocked me from starting an online dispute today XX/XX/2020. I want to address XXXX   XXXX, that inquire my credit report with TransUnion, that they are refusing to accurately report credit information regarding bankruptcies XXXX & XXXX. I have filed a new lawsuit against TransUnion as of XX/XX/2020.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

I am unable to get anybody from the credit reporting agencies on the phone. I wanted to check to see if I had a freeze before I applied for a new credit account. Their website tells me to call. Once I call I get placed into a sales call where they try to sell me stuff for 5 minutes and then get disconnected. I honestly can't believe these companies are the gate keepers for our credit worthiness..

1 ) I have no other options since they have all the market share 2 ) they have no customer service and anybody available to answer questions 3 ) Their automated systems are buggy and bounce me around
Consumer complaint received 2020-02-13
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. (NY)

After my chapter XXXX discharge, Transunion is incorrectly reporting accounts that have been discharged, as derogatory witch results in a double negative and a much lower score than the other 2 credit bureau. I have tried to dispute, and they still misreport. Accounts should be listed as closed, included in bankruptcy chapter XXXX.
Consumer complaint received 2020-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Check Fraud Services (TX)

Hello, Today, I fell victim to a student loan consolidation fraud and I need assistance. I received a phone call saying they ( XXXX XXXX is the marketer that called ) were associated with the student loan advisory board and when I called the number he left, ( XXXX ) XXXX, they said they were with the Department of Education, which I now know was a scam but did not catch it sooner. The promised to consolidate my loans and spread out my fees for this over 4 months paying {$210.00} a month, and {$160.00} plus {$19.00} afterward for 120 months. 

The number that called me was ( XXXX ) XXXX, and his name is XXXX XXXX. The person I spoke with XXXX who's emplyee number is XXXX Station : XXXX and phone number is XXXX. 

Please help.
Consumer complaint received 2020-02-27
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. (FL)

Equifax is reporting two collections items ( # XXXX and # XXXX ) without naming the collection companies which allegedly are trying to collect the debts. Clearly this is 100 % inaccurate as how can I possibly dispute this item with the collection company if I don't know who it is. 

I have written to Equifax two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act. Their continued listing these items on my credit report is a collection attempt which is barred under the the FTC  Cass opinion.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

I sent a request to the servicer asking them, among other things, to correct the spelling of my wife 's name on our newly established loan account. I also asked them to fix our mailing address. I mailed the request and e-mailed it to the addresses provided to me by the company. The company e-mailed me back saying that I had to mail the request for a name change to the address where I already mailed the request. They also asked for additional documents showing the new name. But I did already mail the request to the address described and there is no name change. They just entered it wrong when they originally setup the account. All the origination paperwork is correct. They just need to look at the origination paperwork and enter the correct information, including my correct mailing address and my wife 's correct last name.
Consumer complaint received 2020-02-17
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: EQUIFAX, INC. (CA)

All three credit reporting agency 's are reporting incorrect information on credit report. 
They are reporting accounts from XXXX XXXX  for auto loans that belonged to a corporation that was dissolved 3 years ago. I can not be held personally responsible therefore they should not be reporting these on my credit report. As they were assigned to the corporation XXXX XXXX XXXX XXXX. 

XXXX  XXXX  Equifax
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Recently, in XXXX of this year, my wife and I paid off over {$10000.00} in credit card balances, in doing so my credit score went for XXXX to XXXX, with no other items being reported on my credit score. I contacted XXXX directly, and after spending 30 minutes on the phone, and suppling every possible piece of personal information to them to verify my identity, I was informed that their verification process failed and I was REQUIRED to submit my identification in writing???? All this before they could tell me why my credit score tanked after paying off 4 credit cards? XXXX  is holding my credit hostage for no reason and have made it impossible for me to make corrections or have questions answered in a fair and timely fashion.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX keeps reporing incorrect information after the amount owed has been settled with a collection agency they contracted. I paid XXXX  on XX/XX/2020 in the amount of XXXX which was the agreed upon settlement offer. They acted on behalf of XXXX XXXX so this account is paid in full and satisfied.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion.. XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD, XXXX, XXXX XXXX, XXXX/XXXX
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion.. XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX CARD, XXXX, XXXX XXXX, XXXX/XXXX