davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (CA)

The following accounts have properly disputed multiple times with XXXX, XXXX, and TransUnion because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates. 

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have attached FTC report and XXXX report.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-14
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

In XXXX of XXXX, XXXX of XX/XX/XXXXand XXXX of XXXX, I have requested documentation on the status of my account with Specialized Loan Servicing such as loan statement, payment history, and account balance. My bankruptcy attorney has sent an authorization to them requesting their cooperation to mail me monthly loan account statements. The company has refused to send any information on the loan in 3 years including the remaining balance, payoff, or payment history. They expect me to continue sending them monthly payments on a loan that I have no amount of what is owed or what I need to pay monthly. 

As the consumer and account holder of this Home Equity Line of Credit, I should have access to the status of my account. I am making monthly payments and have never been in default. I don't know how or if payments are being applied to my account or someone else 's because they will not send me any status updates on this loan.
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (AL)

When i purchase credit monitoring services, I never can get my equifax credit score. That section will just be blank. 

I double checked to make sure the name they have in system matches up correctly.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. 
I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore Experian Information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by law shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and Sue all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! 
CC : Pa attorney General, FTC & the XXXX
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (IL)

To whom it may concern : My name is XXXX XXXX account ending in # XXXX, I am a loyal card holder looking for help. I was paying my bill online as I normally do and noticed charges totaling more than {$1700.00} from several merchants on XX/XX/XXXX in hopes of helping me ( a loyal customer who has ALWAYS paid my bill on time for years XX/XX/XXXX and never had a problem, not even a late payment ). I immediately called in and reported my lost card and the charges that were not from me. I was transferred to the fraud department where I explained and pointed out all those charges that were not from me. I was told someone might contact me for more information and a full investigation would be conducted. 


On XX/XX/XXXX I receive a letter stating that the investigation was complete in less than 2 weeks and a decision was made making me responsible for all charges.I have been trying to contact someone ( XXXX XXXX EXT XXXX ) from the FRAUD MANAGEMENT TEAM but oddly her phone goes directly to voicemail and she NEVER CALL BACK.even as I have left multiple voice messages stating this is a urgent matter. I am completely devastated and disappointed in your company which also seems a bit sketchy being that there are over 300 complaints similar to my situation on the XXXX website. I've never heard of a company that have a DEPARTMENT MANAGER that # 1 has no last name on the letter at all & # 2 phones go straight to voicemail and never return calls. 


I would hope to have this matter resolved as soon as possible and speak to someone who can really conduct an investigation and replace my money back on my card because I am a VICTIM.
Consumer complaint received 2022-02-15
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: TRUIST FINANCIAL CORPORATION (VA)

An account with Suntrust Bank opened in my name. Havent even banked with any bank but XXXX XXXX and XXXX  XXXX XXXX! Address that was used was my grandmothers address and I know its not mines because my grandmother passed away years before the closure date, the home was sold to someone else back in XXXX. I havent lived at XXXX XXXX XXXX XXXX Va. XXXX since the age of XXXX and I am XXXX years old today. The closure of the account status date was XX/XX/XXXX. Charge off amount is {$590.00}. I would like this information removed because I didnt open account of added or remove funds, I am not responsible for this amount at all.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX  woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my XXXX status as well as my mental capacity and I wish to have the account removed, along with the lates.
Consumer complaint received 2022-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (IL)

I have one loan with Sallie Mae for {$15000.00}. I had a forbearance due to Covid. Which I had to call numerous times to allow the forbearance to go through. I was given the run around. And the situation had to be escalated more than once until my account was adjusted. In XXXX I informed Sallie Mae that I was returning to school and what would I have to do to get an in school status. I was told that I would not have to do anything and my status would change once my session started. However I started getting billed. And I started receiving emails about past due amounts. I called and Sallie Mae kept saying they were waiting for my status to change. I then asked my school to fax confirmation I was in school. Which they did on XX/XX/XXXX. I called XX/XX/XXXX to see why my status had not changed. They told me to wait until XX/XX/XXXX and if its no change to call back. It is now the XXXX and Ive had to call again because now I am being threatened to have a negative payment on my credit report. I called and told them Ive submitted paperwork and that my status should have changed by now. I was initially talked over and told that the paperwork was invalid. It wasnt until I talked to a supervisor that I was told my paperwork was correct and it should change in a few days. It is frustrating and mentally draining to have to constantly call about the same issue while they take their time to help resolve issues.
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX ( Creditor ) continues to inaccurately report a Business Account that I am not liable for on my credit report as a Personal Flexible Account which is not correct and is a violation of my rights per FCRA. Additionally, XXXX XXXX has confirmed they will report this account as In Dispute per FCRA, however they have failed to that as well. I am requesting this business account that I am not personally liable for to either be removed from all of my credit reports or appropriately update this account from Personal Flexible Account to Business Account and update the status/comments for the account as In Dispute per FCRA as agreed.
Consumer complaint received 2022-02-14
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. (IL)

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 n 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-04-24
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. (MI)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (FL)

In XX/XX/2022, I was issued a XXXX Rewards VISA credit card by the First National Bank of Omaha ( FNBO ) with a credit limit of {$7500.00}. I received a letter from the FNBO dated XX/XX/2022 ( attached ) informing me that their credit department had suddenly lowered my credit limit to {$2000.00}, a {$5500.00} decrease. My account is current and in good standing, and in the letter there are four criteria listed as the basis of this adverse action, all of which except for one are in error. I called the number listed in the letter supposedly for the credit department ( XXXX ) to discuss their decision, but I was instead routed to the main customer service line. There, I spoke with " XXXX '' and was told that I could not speak to the credit department to present my case. In particular, " XXXX '' was very obstinate, and she also refused to transfer me to another individual at a higher level. Finally, she refused to provide me with the name and address of the FNBO president so I could write a letter to bring this situation to his/her attention. This action by FNBO severely impacted my credit standing, immediately dropping my FICO score from XXXX ( good ) as of last week to XXXX as of today. When I pointed this out to XXXX, she admitted that the bank is aware that a customer 's credit score " may be slightly affected. '' In summary, FNBO 's business practices are unfair to their good faith customers who have no recourse when, through no fault of their own, they are subjected to these arbitrary and punitive credit decisions.
Consumer complaint received 2022-02-14
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. (PA)

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (MD)

I purchased a vehicle from XXXX on XX/XX/XXXX for {$22000.00}. I had a pre-approval from XXXX  XXXX XXXX for 5 %. XXXX said they did not take XXXX XXXX  XXXX and I would have to use one of their fincianeers, Ally Auto at 10.5 %. I did not want to do to this, but was told I could just refinance the loan. 

Today is XX/XX/XXXX, 5 months after the purchase date, and my Lien holder still does not have the title, and will not let me refinance it. XXXX has 6 weeks to send it. I have previously asked in XXXX and they did not have it either. They were aware of the situation and did nothing. Ally is telling me to contact the dealer. XXXX customer support is no help and is clueless. Since these business have a direct business relationship with each-other, it could make sense that they are scamming customers. Forcing them to take higher apr rates, then loosing their titles to force them to stay with that higher apr and unable to refinance to a more appropriate rate. 

I am now very afraid I have been paying for a car with no title. This would be falsely advertising of vehicles, and is currently costing me money.
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C (GA)

XX/XX/XXXX, I ( XXXX XXXX XXXX, called Stenger & Stenger to set up a settlement offer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$2800.00}. After back and forth negotiations, I thought we had agreed to a {$2800.00} settlement and me making payments of {$200.00} a month, to find out later that Stenger & Stenger had lied just to get account information and to receive payments. I specifically asked Stenger & Stenger to send me a written statement of our agreement. Well, 2 payments later in the amount of {$400.00}, I still have not received a letter stating our settlement offer. Instead, I received a letter stating an amount of XXXX and not the settlement offer of {$2800.00}. I am requesting that the above account be dismissed because several of my FCRA rights were violated. As of XX/XX/XXXX at XXXX p.m. I reached out to Stenger & Stenger again to try and resolve the problem again. I was told this time that they would settle for {$2800.00}, which was more than what was initially agreed upon. {$2800.00} plus the XXXX I have already paid is {$3200.00}, which is still not accurate. I was told this information by XXXX XXXX XXXX XXXX ) XXXX. Throughout this entire process, I have been sent papers, such as legal forms when they were not ; they have threatened to seize or garnish my wages, in which I am unemployed at the moment; and actions such as a lawsuit taken against me and it has in the XXXX XXXX XXXX XXXX XXXX XXXX Stenger & Stenger also had the Sheriff 's Department XXXX XXXX XXXX running back and forth to my residence concerning the civil lawsuit against me. Why not put it in the mail? 
All of the above violations have occurred against me, even though I tried on numerous accounts to resolve this account. So, I am requesting this debt be canceled and dismissed due to hardship issues as well as violating my FCRA rights
Consumer complaint received 2022-02-15
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX