davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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. (IL)

I currently have four federal student loans serviced by XXXX / Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX XXXX refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA. 

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. 

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor 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 says it's mine. According to the FCRA ( Collection Agency Name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-19
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)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Title365 Holding Co. (OH)

On or about XX/XX/2021 I received a letter from XXXX XXXXXXXX stating my mortgage was increasing from {$1000.00} to approximately {$1200.00} due to my escrow have a XXXX negative a balance. I contacted Mr. XXXX, a manager at XXXX XXXXXXXX confirmed that the was accurate. I then contacted the XXXX County, OH Treasurers Office and they informed me that my real estate tax was not paid this past XXXX when I refinanced my home but was paid this past XXXX. The treasurers office did inform me that my property tax had increased this year which I was already aware of. 

I then contacted Title365 who also sent me a check for {$2200.00} back in XXXX or XXXX of 2021. I spoke with XXXX and he told me that " I should not have received that money because it is a VA loan, and it came out of my old escrow account. '' SO, I asked him who was at fault, he said, it was our fault. " ( Title 365 ). Thus, leaving me with a negative balance and to make up that balance, I would have to either make a payment of {$2300.00} to immediately get my escrow in the black or pay an extra {$210.00} plus my mortgage for the next 12 months. This action has put a strain on my finances. 

On Monday, XX/XX/2021 I spoke with XXXX XXXX the funding manager for Title365 and apprised him of the situation. I explained to him that I should not be penalized for their mistake. He told me, " since you received a check from us that should have raised a red flag. '' So, in essence he is putting the blame on me for his company 's mistake. Additionally, he offered to pay the fees and penalties for the late real estate filing which he did not give me an amount. I told him I do not know real estate laws and over 75 pages to look over during signing, anyone who is not in the business can miss something. If this was a reputable company, they should make it right. Finally, if they are willing to pay for the fees and penalties, then they can pay the entire amount.
Consumer complaint received 2023-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/23, someone used my information to fraudulently apply for a credit card with capital one. i had a credit freeze in place so i received an alert about a credit inquiry. i called capital one immediately. 

this happened again on XX/XX/23. it happened a XXXX time also on XX/XX/23. 

i had to spend my valuable time calling capital one multiple times to make sure the credit card applications were shut down and request that capital one open investigations to prevent this from happening moving forward. yet it happened a XXXX time after i initially called. 

calling capital one is very inefficient and their initial customer service team members are poorly trained. there is no direct # easily found to get in touch with their credit card fraud department. i was transferred multiple times and had to be on the line for over an hour. very frustrating!
Consumer complaint received 2021-07-19
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: FREEDOM FINANCIAL NETWORK (TX)

Freedom Plus is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove the account as other creditors involved have already done which has lowered my credit score by over 200 points. 

Freedom Plus can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by XXXX XXXX code. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.
Consumer complaint received 2021-07-19
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. (VA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

I XXXX XXXX entered a XXXX XXXX transaction on or about XXXX XXXX with XXXX. I not know who Credit Management L.P, I have never done any business with this company. I sent Credit Management L.P. a letter of debt validation that has never been answered and a Notice to Cease and Desist communication.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-07-19
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. (CA)

There is an unauthorized inquiry on my credit report from XXXX XXXX on or around XX/XX/2019. I did not give XXXX XXXX permission to pull my credit.
Consumer complaint received 2021-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I have six payments that are " pending a manual review. '' These payments were made from XX/XX/XXXX to XX/XX/XXXX. MyFedLoans has been unable to certify these payments after repeated requests over the past two years. They just told me the current case was opened XX/XX/XXXX. I am close to applying for PSLF and these six payments will prevent me from applying for forgiveness on my proper date. These were eligible payments under my previous servicer, XXXX.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NJ)

Hello CFPB, Good Evening : ) I am writing to file a complaint with bank and credit agencies that they were not able to fix this thing and putting some other identity information and charge off collection amount information on my credit report and the bank people had send me couple of multiple letters stating that I need to pay the debt off which I need to pay, where actually I don't have a bank account with them at all and they are asking me to pay, I don't know how they got my identity information and they are harassing me to pay money from past one year and I made so many phone calls to bank and credit bureau agencies to fix this problem and they are not able to help me and still they are playing with my identity and as of now I lost my credit score a lot and the result is no one is giving me any loans nor either a credit card, where it effected my score, identity completely. so I need some help and fix my credit information on my credit report properly.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NY)

On XX/XX/2021 I spoke to someone at receivables performance management. I asked for proof of debt and have not received it. I also forwarded emails from XXXX ( the account in collections ) stating the amount owed was taken care of. This company continues to call from various numbers and send collection bills for an account that was already paid directly with XXXX.
Consumer complaint received 2021-07-20
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)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-07-20
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. (FL)

XXXX XXXX  and XXXX XXXX XXXX submitted erronous documents through court which caused judgement. Lawfirm agreed to voluntary dismiss without prejudice .XXXX needs to remove account from credit report if not please help setup courtdate. Also XXXX  had me sign 2 contracts and i was not aware they made changes. Loan sharking should be illegal especially when you have good credit Also experian because they see the legal document stating dismissed without prejudice and still has not removed. I also have letter from judge himself stating im done
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

LVNV is trying to collect a debt for an account I've never had. I've never used a credit one bank. This is fraud, LVNV lies and threatens to damage my credit. They won't provide the proof or the original application. They have the wrong info. They also won't provide that they are able to even collect in my state of texas. 
XXXX  Report # : XXXX LVNV Accounts : XXXX, XXXX
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called Experian and XXXX today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over 80 changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from XXXX  and Experian showing no changes noted. I have yet to receive a report from XXXX. So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single day!
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

Scammed by fraudulent XXXX rep in XX/XX/2021 who used Zelle to transfer funds from my XXXX checking account in amount of {$990.00}. I sued Zelle in small claims court and won the judgement. Subsequently Zelle appealed and the judges verdict is pending. XXXX assumed no culpability.
Consumer complaint received 2022-06-21
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. (IL)

On XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX, IL to purchase a vehicle. I consented to them running my credit for a XXXX XXXX XXXX. They ran my credit 12 times for hard inquiries. I went ahead and signed paperwork for the XXXX XXXX  that day and they had to put it through the shop. On XX/XX/XXXX salesman XXXX texted me and said the vehicle needed a new engine and that I could either continue with the car or they had a XXXX XXXX for me for {$600.00} a month. I said to go ahead and fix the XXXX XXXX. On XX/XX/XXXX they continued to run my credit an additional 7 times for hard inquiries for a XXXX XXXX that I did not consent to. I have called the company multiple times and left messages for the finance manager. He has not returned my calls. Today XXXX XXXX I called the GM XXXX and he said he would look into it and call me back. Instead I get a message from the salesman once again asking how he could help. I did not consent to XXXX running my credit that many times and they are not willing to explain to me why they ran my credit that many times nor explain to me why they ran my credit for a vehicle I did not consent to.
Consumer complaint received 2021-07-20
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. (CA)

According to FCRA 15 U.S.C. 1681a, Section 2B, Exclusions, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device must be excluded from my consumer reports. 

XXXX XXXX is reporting a charged-off line of credit with a balance to my Experian consumer report. This is making it difficult for me to qualify for the necessary financing that I need. Experian reached out to XXXX XXXX and XXXX XXXX verified the account. 

However, according to FCRA 15 U.S.C. 1681a, Section E, the " investigative consumer report '' shall not include specific factual information on a consumer 's credit record that is obtained directly from a creditor of the consumer. 

Because of this, I demand that this item is deleted immediately from my Experian consumer report, or I will file for litigation due to the stress that I have endured.
Consumer complaint received 2021-07-19
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. (TN)

I am a victim of Identity theft. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.