davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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. (GA)

Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-14
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: Resurgent Capital Services L.P. (NJ)

On XX/XX/2017 LVNV FUNDING LLC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account Was transferred/sold and I am no longer Responsible for the account. Debtors creditors did not verify this Collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVNV FUNDING has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

The reason why Im writing is Im getting tired of calling the representative are very rude and I have everything recorded on my phone for proof. Im XXXX  currently and I do not need this stress I have had two XXXX  back to back. My account is showing past due and a late fee that is not correct I was place on a special payment which I sign and faxed over. My payment was made on time of the correct amount of  {$98.00} on XXXX per the contract I even called and recorded the agent stating I made the correct amount on the due date. The other amount was {$140.00} per contract to start the next payment being {$98.00}. I did exactly what I was supposed to do per contract and it showing a late fee of {$15.00} and a past due {$140.00} amount that is breeching your contract and I will take you to court if my account isnt fixed to reflect the correct amount of {$240.00} due and no late fee. Thank you for your time. Have a wonderful day! Be safe!
Consumer complaint received 2022-01-20
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)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the XXXX of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2018-11-27
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. (AZ)

Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (MA)

XXXX XXXX XXXX XXXX report account # XXXX to Experience credit bureau as foreclosed, despite the fact that it has been never happen. The property was sold in the regular course of business, as proof to it attached 1 ) Condominium unit deed, executed by me ; 2 ) Discharge of mortgage ; 3 ) letter from XXXX XXXX XXXX XXXX XXXX, stating that account has been paid in full. I communicate with XXXX XXXX XXXX, XXXX,  requesting to clarified error and send me a letter of correction. Despite assurance to do so they neglected. I send them a letter to request set for information, however no response was follow.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

I have called Navient several times to resolve this issue but can not get to a real person to discuss this and keep getting advised by an automated system that I owe {$0.00} ( even though money is being taken out of my bank account monthly to pay them off ).

I have recently switched my primary bank account to another bank, and with this have been trying to close my previous account. However I fear that I can not as I tried to contact Navient to have my auto-draft payments come from my new bank account so I can close the old one out. There is no option on their website to do this, nor has anyone been able to do this on the phone. This doesn't seem legal at all and should allow an option to change your bank account if need be.

I'm infuriated with Navient for this as well as their lack of documentation on loan details, but this shouldn't be allowed to go on without consequence or resolution. 
Thank you.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT ED/XXXX,  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX USA, XXXX, XXXX XXXX XXXX, XXXX UNIVERSITY Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

Cedar Business Services is trying to collect money not owed ( This is a collection account ). My credit report states that this acount was opened on XX/XX/2019. I have previously disputed this item with XXXX  and through your website. They reported back to XXXX  that the account was possible fraud, however did not remove it from my credit bureau and continue to report it on my credit. Cedar Business Services is in violation of credit protection laws. I never once received information from them to even dispute this information with their company during the allowable 30 day period. I am currently disputing the item again with XXXX. My next step is to file a lawsuit to get this information removed and have everyone comply with the credit laws.
Consumer complaint received 2020-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Applied for pre-approval offer thru capital one quicksilver one card. After verifying my information I was informed that my application would automatically be declined because I have a fraud alert on my report that does not have a number listed to verify. After verifying my current phone number with an agent I was informed that application will still be denied and I would have to reapply after having credit freeze removed from file. This would cause my report to suffer to 2 inquiries and more points deducted from my credit reports.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have discovered some inaccurate information on credit report. Therefore, On XX/XX/2020 I requested an explanation for an investigation rom the credit bureaus for inaccurate information listed on the letter. After mouths of waiting for a response I have not been provided with any information from the credit bureaus. And I would like an update on my credit report within 30 business days.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WI)

On XX/XX/2020 I inquired with AmeriSave loan officer XXXX XXXX Loan Originator NMLS ID # XXXX about rates for a refinance of my home. After discovering that the rate we discussed would not be locked in, I was told to fill out an online application online with XXXX on the phone. After the first page, I was told the system would not go any further unless I paid {$500.00} with a credit card for an application fee. I said I was very uncomfortable because they would not lock in the rate. XXXX said I would get my application fee returned if I decided against it or the rates changed. I paid the {$500.00}. Feeling extremely uncomfortable and pressured, later that day on XX/XX/XXXX ( the same day ), I sent an email to XXXX XXXX and AmeriSave Customer Service to cancel the loan application # XXXX. I sent another email XX/XX/XXXX inquiring about the return of the {$500.00} fee. XXXX said his boss processed the fee earlier that week. I again inquired about the return of the {$500.00} fee on XXXX warning them that I would submit this complaint. XXXX again assured me the {$500.00} would be returned. It is XX/XX/2020 since cancelling on XX/XX/2020 and I have not received any returned funds.
Consumer complaint received 2022-05-23
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. (NV)

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

Good Morning, Yesterday, XXXX, I attempted to link my TD Debit Card with my new XXXX XXXX  account, and I couldn't. Apparently, it seems that my debit does not match the name TD Bank has me banking with. In other words, my debit card does not post transactions in account # : XXXX. And it should be. My card should NOT. reflect XXXX XXXX XXXX, and a different name on the back ( in their system ) ; let alone in a CLOSED account. 

This seems to be the reason why I still have not seen or received {$67.00} from the incident CFPB reference # : XXXX dated on XXXX. 

So, please tell the bank they need to ensure my Debit Card chip needs to be tied to the account that reflects my name in their system ; not XXXX 's name, XXXX, XXXX, XXXX, or anyone elses ' name.
Consumer complaint received 2020-12-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CreditNinja Lending, LLC (TX)

[ XXXX2020 ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : X- This revocation applies to any and all future debits. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (NY)

On XX/XX/2016 we had purchased a money order in the amount of {$1200.00} from PLS Check cashing service for our rent.On XX/XX/2016 we found out our landlord never received our money order and went to PLS only to find out the money order had been stolen from the mailbox. We made a police report and were advised to wait for the investigation that we would get our money back soon. Till this day I have yet to receive my money, I have made several phone calls to both PLS and XXXX XXXX  which is bank the checks are drawn from but everyone just gives me the run around and transfer me to manager after manager with no resolution. This is absolutely absurd! PLS tells us they have to wait for XXXX XXXX  to respond and give us the money, when we call XXXX XXXX  they tell us they are waiting to hear back from PLS. At this point I believe this was probably an inside job and the thief is being protected.
Consumer complaint received 2022-02-13
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: Chime Financial Inc (NC)

I check XXXX XXXX regularly and noticed that someone pulled my credit for a mortgage. I have no need for a mortgage and this isnt the first time I have seen where someone tried to use my credit and personal information. On my XXXX report, it showed a inquiry for a mortgage. This was back in XXXX Also, there was a credit card I had that had been used without my consent because I didnt authorize anyone to use it. I keep all receipts and monitor my accounts regularly. My identity was stolen after a car accident and a former physicians office and public hospital had something to do with it.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (DE)

Meridian Financial Services mailed me a notice stating that I owed owed the amount of {$940.00} to XXXX XXXX XXXX XXXX. The notice was dated XX/XX/2020 and stated that I had 30 days to respond and dispute the validity of the debt, or a judgement would be entered against me and daily charges would occur. I mailed a response on XX/XX/XXXX stating that I disputed the validity of the debt. I then received another notice from Meridian Financial which was dated XX/XX/XXXX within the 30 day timeframe allowed for my response, stating that they intended to proceed with actions against me. The amount due had been increased to {$950.00} without ever waiting for a response. The debt was then subsequently reported to the credit bureaus and having an otherwise perfect payment history, dropped my credit score from XXXX to XXXX with no further response to my dispute.