davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I did not consent to authorize the sharing of my non-public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, they aren't even in compliance with Metro 2 credit reporting. 
I have evidence to prove my case!
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Io, Inc. (TX)

Receivables Systems XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 Re : Account Number XXXX To Whom It May Concern, I am writing this in response to your recent correspondence related to account number XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 
You agree to not list this debt as a paid collection or settled account. 
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 
I am willing to pay the XXXX as settlement for this debt in exchange for your agreement to the above terms within fifteen calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. 
Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay XXXX via cashiers check/money order. 
If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer and it will no longer be valid. 
I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Firstsource Business Process Services, LLC (OH)

XX/XX/XXXX I was billed {$1400.00} I logged into XXXX the portal I am able to view and pay my medical bills through. I began making monthly payments on the bill above. That bill then went into dispute, or reevaluation for coding. So I only had made one payment toward that bill prior to reevaluation of : {$25.00}. 
I was XXXX with a XXXX XXXX  XX/XX/XXXX of XXXX, accumulating more bills within my XXXX portal. I began paying monthly on them. I received an email stating that I was able to sign up for a program called XXXX where they would tell me what to pay monthly. It was listed as optional. I have attached the screenshots from that email. I decided that I knew my financial ability and status better than them, so I never signed up for the XXXX program. Apparently XXXX financial department automatically took that bill from XX/XX/XXXX and enrolled me in XXXX of XXXX, when the reevaluation of coding came through. By them enrolling me in XXXX, my bill of now {$1300.00} no longer appeared XXXX my XXXX portal where ALL of my other and remainder medical bills were listed and being paid on. So when I called in XXXX of XXXX to pay ALL of my medical bills in full that one bill of {$1300.00} was not included in the lump payment I made, unbeknownst to me. I had no idea I had a large medical bill removed from my XXXX and no idea it was not included in the lump payment I made to XXXX. So now as of XX/XX/XXXX I was sent to OneAdvantage collections agency for the {$1300.00}. I clearly was making good faith payments on all of my medical bills, never requested a third party to take over managing my bill collection and I attempted to pay all my bills in full on XXXX. I feel as though XXXX is deceptive with the XXXX program, especially automatically enrolling ONE of my bills in it and REMOVING said bill from the patient portal we are instructed to utilize. XXXX is suppose to be a one stop shop, until they remove your bills unbeknownst to you and then send you to collections for no payment.
Consumer complaint received 2023-08-21
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. (MI)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (GA)

There are multiple inaccuracies in all of these reports from XXXX, XXXX, and transunion such as dates for payments such as XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, balances. XXXX XXXX dates account opened on, and inaccurate reporting dates XXXX, XXXX, XXXX, the date opened in different transunion. XXXX XXXX reported inaccurate open date in transunion, XXXX XXXX is inaccurate dates for late payments in XXXX, transunion, and XXXX. XXXX XXXX XXXX ( different account ) XX/XX/XXXX has inaccurate dates for when account was opened. XXXX XXXX has inaccurate late payments dates and open dates.
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

My account with SYNCB/PPC was XXXX as a charge off/ profit and loss write off. I have disputed this information due to it being inaccurate and not verified. It is a violation of 15 USC 1681e ( b ) this charge off is inaccurate. Please remove from credit report.
Consumer complaint received 2023-07-28
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: CCS Financial Services, Inc. (GA)

Reported late payments to credit reporting agencies : XXXX, XXXX, and transunion. All of these companies have different information and are not accurate in each report. In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I would like every discrepancy removed from my report immediately.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 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 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
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$140.00}XXXX XXXX Inquired on XX/XX/2023.
Consumer complaint received 2023-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I filed for bankruptcy in XXXX and it was discharged in XX/XX/XXXX. My bankruptcy included 3 - Navient private student loans. These loans were discharged due to the fact that the loans exceeded the cost of attendance and were given directly to me, the borrower. Navient ( Sallie Mae ) never verified the cost of attendance to the community college I was attending at the time and these loans were not used for the cost of attendance to the school and instead given directly to me. Regardless of my bankruptcy, Navient continued to collect these loans, from XX/XX/XXXX to XX/XX/XXXX in the amount of {$11000.00}. 

In XX/XX/XXXX, a judge ruled that Navient could no longer collect on these loans, Tuition Answer loans, from the plaintiffs, therefore the loans were transferred to my co-signer instead, without her knowledge or any formal documentation. 

According to an article released by the CFPB, you warned several companies about collecting debt after being discharged in bankruptcy. Navient has still been attempting to collect on this debt from the former co-signer, now the borrower.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (UT)

Ive been really lucky. They have tried to get credit cards under my name. Unfortunately they have not been able to. The reason why is because my credit score dropped so low I have lots of hard inquiries on my credit report and I like those removed All the credit cards they have applies for have been denied
Consumer complaint received 2023-07-28
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. (NY)

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I want to make the public aware, US Bank is getting trained from XXXX and is going XXXX XXXX, It is scamming its customers and is not honoring what is advertises and the flyers sends in the mail. I received a flyer in the mail that if I open and deposit {$3000.00} in the US Bank account, I will Get {$500.00} as a bonus if I keep the money for 90 days, I did the same and I did not receive the money, please see the flyer attached in this complaint, this is a third class, ridiculous bank, and I will not suggest anyone to open the account in this bank. 

I spoke to a lady yesterday from the bank and she spoiled 30 minutes of my life, she asked me to send her all the documents I have, starting from the flyer, to the statements I have and then after 30 minutes, she was trying to make excuses that why the bank hasn't deposited the amount into my account. She started saying that I haven't deposited V A money or XXXX, and this is a business account. 

When I opened the account I also went to the teller of the bank and the teller told me that even if I will deposit the money in the atm that will also count as an ACH, Us Bank is not honoring what it said and my last resort will be to file a case in the court. 

US Bank had my money and used it, I meet all the guidelines they had on the flyer and I should be getting the bonus money.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

This serves as my follow up submission of my concern regarding these listed inquiries which I sent a letter to the XXXX, Equifax and XXXX Credit Bureaus dated XX/XX/XXXX. I am reaching out to the CFPB for assistance in ensuring that the aforementioned three Credit Bureaus handle my request for inquiry removal with utmost professionalism. Kindly find below a compilation of inquiries that are either not associated with me or were initiated without my authorization, necessitating their removal : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

All of the consumer reporting agencies such as XXXX and Experian are reporting inaccurate/outdated information on my account. The only address that should appear on the account is XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX. Furthermore the only phone number that should be associated with my account is XXXX and name is XXXX XXXX. All other addresses or phone numbers, aka, or emails are not valid and violates my rights to fair reporting.
Consumer complaint received 2023-08-29
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRIAD FINANCIAL SERVICES, INC. (MI)

We bought a modular home and had to take out a loan that would start as an interest only construction loan and then be converted to a conventional mortgage. When the building was finally complete, I was sent a document to sign to have the remainder of the balance on the home paid to the manufacturer. However, the amount was not correct, it was more than it should have been. The loan officer argued with me, gave me false numbers as to the price of the home. Also, we did not use all of the money in construction portion of the loan and the loan officer wanted me to sign it all over to the home manufacturer. He gave me a hard time when I asked to see what money had been paid out and to whom it was paid, though he begrudgingly sent it. I looked over my purchase agreement with the manufacturer and my loan agreement and ran the numbers. They did not match what he was telling me. I had to send a copy of my math before he would reevaluate the situation. In the end, the loan officer did end up fixing the situation. But I feel like he was trying to take advantage of me. He didn't even have the correct amounts of how much the home cost. This all took place over a few days of emails ( I have all of the emails ). I was told by XXXX, the loan officer, via email XX/XX/2023, that I owed the home manufacturer {$45000.00}, that the cost of the home was {$110000.00} and that {$69000.00} was paid to them already. This, however, was not true. I don't know where he got those numbers. The grand total for the just the home itself ( what was owed to the manufacturer ) was {$110000.00}, I made a down payment directly to the manufacturer of {$10000.00}, only {$100000.00} was financed through the loan company. After a lot of back and forth and him finally looking into it, it was discovered that the manufacturer was only owed {$34000.00} the remaining {$9000.00} was what was leftover in the construction portion of the loan. The {$9000.00} was mine and according to XXXX would be taken off the principal of the of mortgage. Once that was finally dealt with, I was told I had to sign paperwork to change the loan over to a traditional mortgage, the money had not yet been taken off the principal. I was told it had be switched over first. I signed it. Then I had to argue with a new loan officer, who was now in charge of the mortgage, and speak with a manager ( this was all done via email, of which I have copies ). It was in the end finally taken off the principal and everything was righted. I just feel like they were trying to take advantage of me and scam me out of money. If I hadn't stood up for myself and asked questions I would have been out {$9000.00}. It was far too much arguing and back and forth for it just to have been a simple mistake. It should have been one email from me saying this isn't correct. Not several emails of questions and me having to do the math myself to prove it was incorrect.