davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
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. (CA)

Experian should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had medical insurance coverage at the time and I have attached a copy of my Insurance ID Card for reference. This account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I have put in several disputes with XXXX  regarding a false debt against National Credit Systems for amount of {$3000.00} dollars. I have also sent in over several times my supporting documents to show the debt is false. This false debt continues to remain on my credit report.
Consumer complaint received 2020-08-06
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. (TN)

XXXX  and Transunion should not be reporting that I am ( 60 ) days late on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID verification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-08-15
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: DISCOVER BANK (MA)

I see 2 hard inquiries on my credit report which I did not apply for : 1. An auto loan from XXXX XXXX XXXXXXXX inquired on XX/XX/2023 XXXX. A home loan from DISCOVER FINANCIAL SERVI inquired on XX/XX/2023 I see several soft inquiries which I haven't applied for as well. 

I need to dispute all of these and also place a freeze so my information is safe and protected going forward.
Consumer complaint received 2020-08-05
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. (NC)

US Department of Education continues to report inaccurate information on student loan debt. I have contacted every possible department, third party lender, and available number, and no one will help me. This has destroyed my life and credit. I can not get housing! I can not get housing! I can not get housing! They don't even have the correct loan servicer listed on the web site to make a payment! I have had to track down where to actually pay! I have written proof they should not be reporting borrowers right now, and the continue to UPDATE my CREDIT REPORT AS DELINQUENT!
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (GA)

I was told on XX/XX/2020 by my Mortgage company, Selene Finance, that I was approved for a 3 month forbearance and a 6 month repayment plan that would be $ XXXX/month for 6 months. I got a call this morning from Selene Fianance about my XXXX payment and I explained to the Rep that I was on a forbearance and repayment plan. The Rep stated that she didn't see a forbearance on my account and the only thing that she could do is send me a package to see what they can do. So I called back and spoke with 2 reps ( 1 being the original rep that stated that I was approved ), they both told me the same thing again this morning, XX/XX/2020 that my Forbearance was approved by underwriting but it wasn't put in the system. The original Rep assured me that there was nothing that I needed to do and stated that she would email her supervisor, who was unavailable, to have her give me a call. I didn't hear back, so I called back in. I spoke with a Supervisor and the Rep that called me this morning and they stated that my forbearance was not approved and the Manager stated she had a long conversation with the rep that gave me the incorrect information and she would check with the lender to see if they will honor this request. I am filing a complaint because the Reps at Selene Finance are giving out incorrect information and jeopardizing the lives of people who are already suffering during COVID. This is unacceptable and I need for this issue to be resolved immediately. I am ready to hire an attorney and proceed with a law suite against Selene Finance. I have voice recordings of each and every call and my documentation.
Consumer complaint received 2023-08-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (NY)

I just paid for a copy of my credit reports and reviewed my credit file as being reported to Source Receivables MNG debt collection agency on behalf of XXXX. I was advise my XXXX representative that this debt collection agency will no longer report this account on my credit report moving forward. Please see the attached verified documents showing the payments made to XXXX to close out of this accounts.
Consumer complaint received 2020-08-05
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. (CA)

I'm just wondering what's happening with accounts I disputed on XX/XX/2020. I still have not receive any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where i'm at, but i figured 40 days should be enough. I also read that if i dispute again while my first dispute is active it will just extend the investigation time. I figured i might as well file this complaint now instead of sending another dispute which will delay my investigations more.
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

It has been a dissappointment seeing my Credit File still indicated the disputed accounts reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information. I have also submitted CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, the Credit Bureaus have also been ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items corrected and fixed from my Credit File : XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$88.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus are not able to find me any documents to support their claims that the disputed accounts have been verified, I would greatly appreciate it you correcting the disputed accounts as soon as possible.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

Several creditors were included in my bankruptcy these creditors are still being allowed to on all three bureaus report late payments on old debt. It has been 4 years since my bankruptcy and each of the three credit bureaus has denied me accuracy in reporting. This has resulted in me now having unstable and unreliable credit history. 

Further more I had an identity theft situation occur I provided proof of this to creditors directly as well as gave notice to all three bureaus. unfortunately they still have not resolved these inaccuracies. 

The dates and account creditors vary : XXXX 3 different accounts All three credit reports. Various balances. 
XXXX XX/XX/XXXX {$280.00} Possible Finance XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX {$1700.00} I.C. XXXX XXXX XX/XX/XXXX {$6.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Never even explained why they placed on file. Just did and when I challenged it they removed the balance but left the account on my report. 
XXXX XXXX XXXX XXXX {$0.00} Various Inquires listed from dealerships Failing to notify me that they were running credit pulls and then allowing others to pull addition. Has left my inquire history unstable. My Credit is just all over the place due to horrible management by the 3 bureaus on validating these debts.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an account with Bank of America and in that face to face process explained i can not use my street address and not comfortable to give it out. Where i live the people on the street take mail from mail boxes, break into cars amongst many forms of vandalism and theft. I explained it is imperative that my account be noted to 'NOT MAIL TO THE STREET. ' Because I am FORCED to give a street address I am at risk. 

This complaint is to exemplify that all the double text codes and call codes, passwords and verifications FORCED upon people are null and void ... nothing short of pure harassment that is only protect for the banks and little to zero protection for the consumer. I was trying to view last years downloadable spreadsheet format for 2019 tax purposes and the online system is not easy to use. ( ALL BANK AND CREDIT CARD ONLINE SYSTEMS SHOULD FOLLOW EXACT SAME FORMAT SO PEOPLE CAN NAVIGATE EASILY ) _. So i called in and asked the bank be sure to cancel any mistakingly ordered paper statements in my trying to figure out how to get a download version. 

The statement being mailed to the POB would have been ok and something I could over look ... that the bank didn't head my request to NOT mail paper. But no, my statements were mailed to the street address that i have more than once, verbally and in writing, have requested DO NOT MAIL TO THEW STREET PEOPLE ON THE STREET USE IT FOR TOILET PAPER OR ID THEFT. But Banks do not care ... they say that the FEDERAL GOVERNMENT " requires '' they only use a street address. IS THAT SO?

So the government is on the band wagon to terrorise consumers and put our personal credit at risk? Not only are consumers FORCED to divulge our complete social, mail address, phone numbers, birthdate to people in other countries but now our government is making banks use street addresses that are given solely as reference when someone live in a high crime area?

XXXX XXXX XXXX!!!!!! you guys i am calling the bull  XXXX card on this one. Are you on the consumer 's side at all? Who the heck is supposed to protect us? 

We have no one and you guys are allowing the banks, insurances and even foreigners in foreign countries more rights over our own private information than ourselves. 

LAYER UPON LAYER of security in texts, codes, emails and passwords for everything we do and you will FORCE us to jeopardize our credit files over something so prehistorically ignorant as a street address? 

XXXX XXXX XXXX!!!!!!!!!!! 

This must be rectified ASAP
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (FL)

I had service with XXXX XXXX in XX/XX/2019, not sure of exact dates. I used the services to work from home. I had multiple issues w/ service being interrupted for technical issues on their behalf which caused me to have to work in the office around end of XX/XX/2019. I called and called my service eff XX/XX/19 because I had new service installed by XXXX  on XX/XX/19. While my service was active at my residence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided by XXXX  I continued to receive statements saying I owed for services no longer being rendered. I called XXXX on XX/XX/19 and spoke with a supervisor by the name of XXXX who advised me I would only owe {$44.00} due to prorated charges they billed me for services thru XX/XX/19. I received a collections letter for {$88.00} which is not correct. I disputed these charges by phone on XX/XX/19 and received a letter from CPA ( collection agency ) stating XXXX is still saying I owe the said amount of {$88.00} with no proof or validation of how I owe that amount when I had services with another provider at the time they are accusing me of using their services. I terminated my services with them as of XX/XX/19 and do not owe the amount they are requesting.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting 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. (OH)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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
Consumer complaint received 2020-08-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my account.
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}
Consumer complaint received 2020-08-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-08-06
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. (TX)

XX/XX/2020 CFPB, PLEASE HELP! 

Experian is not helping me with dispute requests on my credit profile they have complied against me. They continue to ignore my complaints that I continue to send to them directly or indirectly. 

1 ) XX/XX/2020 Experian mailed in dispute was IGNORED ( certified mail no. XXXX ) 2 ) XX/XX/2020 CFBP Compliant submitted and CLOSED by Experian with no action taken ( no. XXXX ) 3 ) XX/XX/2020 CFBP Compliant submitted and CLOSED by Experian with no action taken ( no. XXXX ) 4 ) XX/XX/2020 CFBP Compliant submitted and CLOSED by Experian with no action taken ( no. XXXX ) 5 ) XX/XX/2020 NEW TODAY - COMPLAINT SUBMITTED VIA CFPB PORTAL ( complaint no. PENDING ) New action will be taken against Experian if they continue to ignore my complaints. 

Thank you, XXXX
Consumer complaint received 2020-08-06
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. (NY)

After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened.

Account Name Balance Owed Date Opened 1. XXXX/XXXX {$490.00} XX/XX/XXXX 2. XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX 7. XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX
Consumer complaint received 2020-08-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}