davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
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. (TX)

Transunion, XXXX and XXXX are all reporting that I owe a student loan when in fact this is not true and the statue of limitations are expired which is 4 years in the State of Texas. I have sent multiple letters to ask them to verify the " unverified '' information in which I was told that they have investigated and it is in " fact my account ''. This is untrue and incorrect and I need them all to delete this incorrect information from my credit file. I can not get a mortgage for my family because of their error. What upsets me is that they can put incorrect information and say they " investigated '' when I know for a fact that no investigation was done and no proof or wet ink signatures were sent to me. I do not have an MPN for the loans they have on my file. So they need to remove this within the legally allotted time frame which has increasingly expired. I understand that XXXX and others have been sued for reporting incorrect information on peoples personal credit reports and I want my name added to that bunch. I do not want to go to court and sue the 3 credit agencies and XXXX XXXX XXXX XXXX for their mistakes.
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (GA)

XXXX XXXX  responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response I submitted a complaint on XX/XX/XXXX, through the CFPB Complaint Portal. On XX/XX/XXXX Experian denied me the ability to dispute inaccurate information on my credit report. In my complaint, I indicated that a collection item is appearing inaccurately on your credit report. I requested to have the item deleted from your report. Experian has claimed to have previously conduct a reinvestigation, and contacted the data furnisher ( s ) for the referenced item ( s ) and asked them to verify the accuracy of the information with which you disagree. Experian claims have gotten a response and verified that the disputed information was accurate as reported on XX/XX/XXXX. 

I have not been able to contact the data furnisher they have listed and neither has the CFPB. I have enclosed a copy of a complaint which says that XXXX is not listed and the collection company says they too do not have any account open in my name. 

Experian please explain how you are able to contact this data furnisher and myself and this goverment agency can not? This account is not valid and is not mine and should be removed immediately as required by the FCRA laws.
Consumer complaint received 2019-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX XXXX  Credit Card - secured and silver are reporting my credit cards ever 7 days lowering my credit score and lowering my ability to maintain my credit. 
Please see attached how TransUnion refuses to properly add back my points even though I am paying off my credit cards and have lowered my debt-to-income ratio!
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Hey CFPB, Today I'm sending a message to you guys in regards in removing an inaccurate/Duplicate inquiry from Wells Fargo. I received a copy of my credit report and found that my credit report was pulled twice on the same day ( XX/XX/2017 ), which is an error. It was pulled Twice from my XXXX   credit bureau. From my understanding of CFPB, you guys will recheck the items with the creditor who has posted them. 



Also, on XX/XX/2018, my credit report was also pulled as well. Please have the Wells Fargo ( the creditor ) recheck the item. 

If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX -XXXX
Consumer complaint received 2019-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2019 @ XXXX, I went into a Western Union retailer ( XXXX XXXX ) in XXXX , GA. I intitially told the cashier the account number and the code city. The cashier put in the account number wrong as well as the code city. I have contacted Western Union on XX/XX/2019 around XXXX whereas I received a case number. I took the initiative and contacted the company it was mistaken sent to and they assured me they would send it back to western union. I called back to western union on yesterday XX/XX/2019. Western union told me I have to wait 24-48 hrs to receive the money back. So here it is XX/XX/2019 it has been 42 hrs later and I still havent gotten back my money. Its a little over {$1000.00} its my bill money and I need it back as soon as possible.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX - BALANCE {$4600.00} DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX, XXXX Account Name : XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX - BALANCE {$890.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

XXXX was my loan servicer provider for almost 4 years, my loans were consolidated before I started to make payments, and Ive been making consecutive on time payments under an IDR plan ever since. I applied for PSLF ( Im a XXXX XXXX XXXX ) and I got into the program, so my loan was transferred to XXXX on XXXX, XXXX. As soon as my loans were transferred I received a letter welcoming me to XXXX and to let me know that I was going to be receiving a letter stating how many payments were going to count towards my forgiveness. I never got the letter, but I did noticed on my statements that my loan was showing in two parts, the subsidized and the unsubsidized portion. The subsidized portion showed 0 payments and the unsubsidized showed 44. I did not understand why was that happening so I called them and they were not able to tell me the reason, so they submitted a review for my account, I called them once a month for a whole year and they told me that it was taking longer than usual to review the accounts. I finally got a call from them on Monday, XX/XX/XXXX they wanted to let me know that the review was ready and that the number of payments remained the same, but they were not able to give me an explanation. I didnt got a letter or anything from them. I still dont understand what is happening, I have all my payment history and my bank statements showing all the payments and it makes no sense to me that if the loans are consolidated they have a different number of qualifying payments.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller  XXXX XXXX   XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OH)

I opened a checking account with KeyBank under promotion of {$300.00} cash offer with a condition that a direct deposit is made from an employer. Today, XX/XX/XXXX, I contacted KeyBank to check the status of the promotion after the direct deposit from my employer is made last Friday. They repeatedly say now they can't access promotions on their system. The call center rep keeps my call on hold for more than 45 mins, and does not transfer my call to her supervisor. 

By the time the call was transferred, I was informed that since the offer states they have until 90 days to push in the promotion, there's nothing they can do to act on it. We are talking about a bank that wouldn't hesitate to charge a fee a minute customer 's within fee charge schedule, but they would like to take their time when the situation is reversed.
Consumer complaint received 2023-08-24
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. (WV)

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 the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: I.C. System, Inc. (IL)

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE I HAVE NOT OPENED UP ACCOUNT WITH THEM I ADVISED THEM THAT THIS WAS A FRAUD ACCOUNT AND DOES NOT BELONG TO ME
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

On XXXX i spoke with a total of 9 representatives from Discover on trying to seek an answer. The departments they were from was Account Managers and Account Opening Specialists continuing to bounce myself back and forth. I am trying to figure out if my husband and i are permanently blacklisted from ever having another Discover card again. 

My husband and I both had Discover cards in XXXX which were closed back in XX/XX/XXXX if i recall correctly, by Discover. Per a rep i was advised our accounts are marked as " Revoked/Closed. '' My husband has a XXXX balance with 100 % payments with Discover. Only remark is " Account closed by XXXX XXXX. '' I am in a similar boat only difference is i am still paying my balance off but 100 % payments made with every lender including Discover.

Any time one of us tries to apply with Discover or attempts a Pre-Qualification we receive the same denial reason " Unable to offer due to existing or prior relationship with Discover. '' I have spoken to quite a few reps and spent quite a bit of time trying to figure out an answer but can't receive a definitive answer. Are we both blacklisted from Discover now because our accounts were closed by Discover? One rep suggested applying in 7 years since thats when bad remarks fall of credit reports. However our Discover accounts never went to collections, never missed payments, weren't charged off. Just closed and either paid off or currently paying off. I called again and asked how long Discover keeps the " Revoked/Closed '' Status in their system and was advised its permanent. Essentially my understanding is we will never be able to obtain a Discover card again if i am understanding correctly.
Consumer complaint received 2024-08-01
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ClearOne Advantage, LLC (TN)

Clear One Advantage at XXXX took advantage of a XXXX XXXX XXXXXXXX XXXX XXXX. They said my monthly payment for my debt would not go over XXXX. Now it's over XXXX and they refuse to settle anymore unless I agree to higher payments. They have ruined my credit and I was in the high XXXX 's now I am in the low XXXX 's. I can't get a HELOC on two paid property because of their dishonest ways. I want them fined and my debts paid for their dishonest ways. No telling how many other Tennessee people they are ripping off. By the way. They stuck me with {$5300.00} worth of fees to do this deal. That is stealing from XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC (KY)

I was not given notice of garnishment by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. 
I have lived at XXXX XXXX XXXX XXXX, XXXX, KY XXXX since XX/XX/2018. They have had plenty of time to notify me. 
They did not offer an installment payment plan after I called them either.
Consumer complaint received 2020-02-21
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. (VA)

I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX account number XXXX**** they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Transunion has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Consumer complaint received 2024-09-13
Product: Credit card — Store credit 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 (WA)

In XXXX  2024 a charge for {$150.00} appeared on my Amazon store card owned by Synchrony Bank. I contacted them that it was fraudulent, they closed card and reissued. Happened again in XXXX. Synchrony bank claims it was an authorized charge by me for an Amazon XXXX membership. I contacted Amazon to verify that I do not have a XXXX Membership  and they also confirmed that there is not a charge/purchase of {$150.00} in/on my Amazon account. I provided all of this information, emails/chat screenshots/purchase history, as proof from Amazons own representatives that I do not have nor did I purchase a {$150.00} XXXX membership, yet they still claim I owe the {$150.00} and the amount remains on my account with Synchrony Bank. I am being required to pay for this membership, which someone else is enjoying and fraudulently purchased.
Consumer complaint received 2019-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc. (VA)

I am in the process of trying to refinance an existing car loan on a car purchased from Carmax, Financed through Carmax Auto Finance. The purchase of the car included an extended service warranty provided by Carmax through their 3rd party warranty provider XXXX XXXX XXXX. 

I inquired through Carmax 's call center if refinancing away from Carmax Auto Finance would void said warranty. One associate confirmed it would void the warranty and another stated it would not. Given that situation, I feel it is reasonable and prudent to confirm, in writing, whether refinancing will void my warranty or not. It should not void the warranty as I believe that would be in violation of anti tying regulations. 

I then emailed the exact message below to Carmax, they refused to respond in writing citing it was against the law to respond to a customer in writing and they dont have the ability to do so. ( I spoke to associate at approximately XXXX on XX/XX/XXXX @ XXXX XXXX XXXX - she confirmed an email response was not possible. I can provide specific name and extension if absolutely required. Would prefer not to directly implicate any specific associates who may be unfairly treated internally. ) Please see the email below which was sent to Carmax on XX/XX/XXXX, they've refused to provide a response in writing. 

____ Hi Carmax- Good Afternoon I have an existing Carmax loan ( Contract # XXXX, Date of Sale XX/XX/XXXX ) which I am considering refinancing. 

Before I refinance my loan, I want to confirm that refinancing will not impact my XXXX XXXX XXXX executed under Customer No. XXXX, Contract # XXXX, purchased on XX/XX/XXXX. 

Please confirm that this XXXX XXXX Contract will not be voided or otherwise impacted by the refinancing of my loan. 

In your response, please confirm that you are authorized to provide this information taking into account the loan is offered through Carmax Auto Finance and the Warranty is offered through XXXX XXXX XXXX. Should mechanical issues arise, I don't want to be put in a situation where one entity is disclaiming liability because another third party should have been involved in confirming impact to the warranty. If those entities need to be party to this information or decision, I would ask that appropriate steps be taken to include them. 

Thanks and regards, XXXX XXXX The remedy I am seeking through the CFPB is to have Carmax address my request in writing for my records given incorrect information was provided verbally by their call center ( initially ). I feel it is reasonable and prudent for me to receive confirmation ( in writing ) of impact to my warranty as a result of my choice to obtain more favorable financing terms away from Carmax Auto Finance.
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OK)

Have been receiving letters and phone calls from Phoenix Financial Services claiming I owe a medical debt. I called Hospital and am in good standing with the Hospital and do not owe the {$930.00} debt they are trying to claim. So called Emergency Services of Oklahoma XXXX in  2015
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lewis, McDonnell & Associates (CT)

I have received notification of a debt collection added to my credit report but have not been contacted by phone or letter regarding the validity of the account claiming to collect. 

Debt Collector Lewis McDonnell & Asso Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Balance {$460.00} In accordance with the Fair Credit Reporting act for the following Lewis McDonnell & Asso Account XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2020-10-20
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. (TX)

Hello, I am XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.