davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My correct name is XXXX XXXX XXXX. My correct address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA XXXX. There may be other individuals with the name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addressed that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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: MoneyLion Inc. (CA)

In accordance with the Fair credit reporting act XXXX  account MONEYLION INC, has violated my rights. 15 USC1681 Section 602 states i have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : Also states a consumer reporting agency can not furnish a account without my wrrriten Instructions. 15 USC 1666B : A credtior may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-01
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 and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent letters to Credit Reporting Agencies Transunion and XXXX  for the following FCRA violations : 1.Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-08-05
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: Convergent Resources, Inc. (TX)

On XX/XX/XXXX @ XXXX, received a phone call from XXXX XXXXXXXX XXXX to discus a debt for XXXX account number ending in XXXX, phone number XXXX. 

I was told that the date of charge off was XX/XX/XXXX and they are going to pursue legal action. 

Then, I received a letter from Convergent looking to settle the account, see attached. 

Today, I received a call from XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, regarding the same XXXX account XXXX. I was also told that the date of charge off was XX/XX/XXXX and that they will be pursuing legal action, case number XXXX. I was told that they have attempted to serve me multiple times at my home address. To this date, nothing has been received other than the attached letter from Convergent.
Consumer complaint received 2021-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is factual and evident you the CFPB do nothing to protect us individually sine the same type of complaints are entered time after time with no resolution. Once again got an OFF SHORE PERSON who has complete access to my file and asked for my social security nber ... .fact. yet no concern. Secondly as with the other two credit bureaus XXXX  credit on my account and impacting my credit and I will not have an answer for a minimum of 30 days even though XXXX  never notified me of an attempt to collect their wrong debt on XXXX XXXX XXXX XXXX. NEVER HAD IT. ATTY TENERAL FLORIDA WORKING THE CASE. ACCT XXXX  Bal yet ATT EXEC OFFICE YET XXXX XXXX STILL PURSUES 1.5 YEARS LATER furthermore the sanecrefundebt comaibts opened with your agency languish unresolved for years holding us financially captive. FACT supported by complaints.
Consumer complaint received 2021-08-05
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. (TX)

I have contacted Transunion over and over again regarding XXXX on my credit file. I have sent them a notice that the account was a direct result of identity theft and have asked them to remove it. XXXX has also asked them to remove it yet they are still reporting it on my credit file. Attached is a letter from XXXX specifying for this to be removed. XXXX and XXXX have removed it therefore Transunion needs to follow suit.
Consumer complaint received 2022-09-18
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. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-05
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)

I originally submitted a complaint to the CFPB on XX/XX/2021 against Equifax regarding inaccurate and unauthorized items reflecting on my credit report. The original complaint ID XXXX-XXXX. Equifax responded stating that a collections account reflecting on my credit report is verified and belongs to me however I did not receive proof of validation. In order for validation to occur, according to 15 USC 1681 ( a ) ( e ) ; this law states that when a consumer investigative report is conducted ; factual information should not be included and an interview has to be conducted with my neighbors, friends or associates. In the response it was stated that an investigation was conducted and results were mailed to me however according to the FCRA ( 15 USC 1681 ( a ) ( e ) ) an interview has to be conducted with my neighbors, friends or associates and this did not occur however the inaccuracies were not validated. Additionally, I filed a CFPB complaint against XXXX XXXX regarding the referenced account and XXXX XXXX responded stating that the item would be removed from my credit report ( document attached ).
Consumer complaint received 2021-08-05
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. ()

I switched my telephone contract on XX/XX/2021 from XXXX to XXXX XXXXXXXX as my current contract had come to an end. 
Without telling me anywhere at any point XXXX XXXX  ( XXXX XXXX ) performed a hard credit search on my file without my consent. 
I am under the impression that this is against the law and I would have never done this if I was told it would incur a hard search. 
I am in the process of purchasing my first home and as a result of this I have lost the house due to the mortgage being declined due to the negative affect on my credit score that the hard search has done. I have also lost a lot of money that I had already paid to solicitors, mortgage brokers and developers etc. 
I have already logged complaints with XXXX XXXXXXXX XXXX XXXX and experian and have been told that nothing can be done. 
I need this removing from my credit file immediately please can you help
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC (FL)

The charges occurred on XX/XX/XXXX in the amount of XXXX to a XXXX XXXX. I replied ( XXXX ). I received a call from a number XXXX I was told by the representative XXXX XXXX is trying to receive a payment through Zelle in the amount of XXXX and they only way he can't receive my money if I reverse the payment back to me using my XXXX account once I did that my money was out of my account and the representative hung up the phone. I tried calling back no response. I then called my bank in file a complaint with no luck they said it was nothing wrong a few days later it seems like I'm out of XXXX.
Consumer complaint received 2021-10-06
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: CITIZENS FINANCIAL GROUP, INC. (FL)

I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

We purchased an outdoor table at XXXX XXXX in XXXX, NJ. My wife and I have our own sperate TJX cards and accounts. I went on to my bank website and thought I was paying the TJX bill for the table in my online bill pay bank portal however, when I made the payment to TJX, I used the wrong account number on my payment check and it was sent to TJX. The payment was never applied to our balance for the table because I used the wrong account number. I then sent a second check that did pay the balance for this table which was on my wife 's TJX XXXX. I called TJX and explained this, they said they would search for the check with the wrong account number. I then received a {$1200.00} refund from TJX for, what they told me, was for the check I sent for {$1200.00} that had the wrong account number on it. A few weeks later I received a bill from TJX that said that I owed them {$1200.00}. When I called they told me they never found the check with the wrong account number on it but refunded the {$1200.00} anyway and since they could not find this check I needed to pay them back the {$1200.00} they paid me. On XXXX I called the contact number on the TJX notice that requested repayment of the {$1200.00} and spoke with XXXX, he would not give me his last name, a TJX manager in the USA. He found the check with the wrong account number but since it had the wrong account number he said the system would not allow him to credit the outstanding {$1200.00} refund that was paid to me, which TJX was now requesting me to pay back. He told me to upload the letter from my bank on to the TJX site at tjx.syf.com to my account on the site. I did that on XX/XX/22 and received written confirmation that the letter was uploaded and received by XXXXX. I called TJX on XXXX and spoke to XXXX in their USA office who confirmed that the letter was uploaded and that payment from the check with the wrong account number had been credited to my account and that I owed TJX nothing. I received a letter about two weeks ago that said I owed {$1200.00} to TJX for this same transaction and bill a few days ago for the {$1200.00}. I owe TJX nothing but they continue to harass me and I need your help to put an end to this please. Best, XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2021-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

In XXXX I signed up for PSLF. My loans were transferred from XXXX to Fedloan Servicing and I used an XXXX Award to make a large payment. At the time, I was on an income-driven plan and my bill was for XXXX dollars. When my payments continued to be XXXX dollars, I thought I was doing everything I needed to do. To my horror, it was only years later that I discovered I had been placed in paid ahead status, and the payments I thought were qualifying ... ..were n't. In addition, I never received any communication to re-apply to the income-driven plan and my approval lapsed, I was placed into an alternate plan with no notice. When the mishandling of many student accounts began to hit public consciousness I anxiously checked my own and discovered I was YEARS off track. 

I made dozens of calls to Fedloan and old loan holders to try and figure out what had gone wrong and no one could tell me. After months of being denied my own financial records, I had to put in a request with the State Attorney General to get copies of past bills and qualifying payment counts. When I, at last, received the documents I needed, I was able to prove several inaccuracies, and a 22 payment gap between XXXX of XXXX and XXXX of XXXX was identified as the consequence of paid-head status. 

This is the outcome of deceptive billing practices and horrendous customer service designed to deny students PSLF. There is nothing on the bill to indicate an account is in paid-ahead status. They don't even identify the repayment plan the loan is in!
Consumer complaint received 2022-07-14
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: JPMORGAN CHASE & CO. (CA)

was fraudulently charged by a merchant for services i did not agree to since there was no communication or documentation provided for what the charges were for. Chase simply stated that Visa 's rules don't allow for any grounds to fight this case and pushed me to drop the dispute with the merchant as they had given up and had nothing to do further.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I filed a complaint with Huntington Bank because XXXX and XXXX charged me {$170.00} on XX/XX/2020 for a canceled transaction. Huntington does not review disputes. They automatically find in favor of merchants committing fraud or other inappropriate consumer practices, in this case charging me for a canceled transaction.
Consumer complaint received 2021-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I received a notice on my credit report that I had a new collection from Lockhart, Morris and Montgomery that I owe the amount of {$340.00}. I inquired what this was as it states this is from a hospital that I was seen at in XXXX. I called XXXX XXXX  which is now known as XXXX XXXX and spoke with their billing department and they state that I owe nothing and have a XXXX balance. I asked XXXX XXXX about their collection agencies they use and if Lockhart, Morris and Montgomery is one of them, and they replied No. They collect in-house using their own collection department. They have never heard of this company. I then took it one step further and I called the VA and asked if they could help since I am seen at the VA and I am a XXXX veteran. The VA stated they can not speak with this agency as they are claiming to be a law firm. I do not owe this debt, the original place XXXX XXXX  now known as XXXX XXXX states I do not owe anything and I have no outstanding balance. 
If someone could kindly help me remove this as this is not okay to try to collect from a XXXX veteran. 
Thank you
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC (OH)

I have been requesting a payoff letter since the XXXX of XXXX. When I contacted them at the end of XXXX approximately the XXXX, that day was the first they'd heard of my request. As of today I still not have received a response to any of my emails. And no documentation has been received. It shouldnt be this hard to pay an account.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MN)

A communication was hand delivered to me with information that my home is scheduled for a sheriff sale on the XXXX of XXXX, XXXX. I am current on a mortgage that was modified by XXXX  XXXX XXXX since XXXX. I was in the process of refinancing my loan to a better rate and found out that there is a second lien on my home and is requesting an unpaid balance of about XXXX. My loan was bounced around to few servicers and ended up with XXXX  XXXX XXXX. I do not understand why the information on the second lien was not fed to me during the modification period? The purpose of the modification program was to help home owners keep their homes, but not giving consumers the totality of deal defeats the purpose of the program in the first place. My loan was in two parts, a first and a second ( 80 % and 20 % ). XXXX  XXXX XXXX modified the 80 % and left the 20 %. I was of the understanding that once I kept up the modification agreement, my home was safe. Now after paying the agreed amount from the modification agreement from XXXX to present, I am told that my home is going into foreclosure. I think it was unfair to modify my loan without mentioning the second lien, or why would the original holder of my loan turn over one part of my loan to a different company and not the other as well? They are now requesting XXXX, XXXX which includes lawyers fees and unpaid balance. The original loan was for about XXXX.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

WHY is it that Experian & XXXX  have a public record listed in a fictitious name supposedly impersonating me? 

I've contacted the court for the supposed Bankruptcy however they stated that they never verified misinformation about a corporate fiction in my supposed name. I am the living soul, XXXX XXXX. 

Please remove any public records that aren't accurate. 

I've been asking the bureaus this for years!