davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ID)

identity theft XXXX my FAFSA college XXXX. Security at XXXX informed me showing me my account was compromised therefore resulting in my termination due to {$14000.00} at risk that very minute XXXX credits 2 1/2 yrs gone I appealed forgiveness from government but no longer have proof it was forgiven. 
My info XXXX XXXX XXXX XXXX XX/XX/XXXX current cell # XXXX Email : XXXX Would like copy of my identity theft file and for someone to please contact me I have several issues still attacking my identity to much to write about.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Pulled a recent credit report and noticed a lot of fraudulent authorized accounts. I will be listing all of these accounts, below along with date it said it was open on the report. I NEED THESE FRAUDULENT ACCOUNTS OFF OF MY REPORT IMMEDIATELY! 

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 2020-08-25
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)

After several months of disputes with the Transunion there appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Transunion continues to report these accounts on my credit report. I've never owned any credit cards with XXXX  XXXX XXXX, The XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Transunion should be held accountable.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

identity theft XXXX my XXXX XXXX XXXX. Security at XXXX informed me showing me my account was compromised therefore resulting in my termination due to {$14000.00} at risk that very minute 48 credits XXXX XXXX yrs gone I appealed forgiveness from government but no longer have proof it was forgiven. 
My info XXXX XXXX XXXX XXXX XX/XX/XXXX current cell # XXXX Email : XXXX Would like copy of my identity theft file and for someone to please contact me I have several issues still attacking my identity to much to write about.
Consumer complaint received 2023-09-24
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. (MO)

I am writing to report a case of identity theft that has resulted in fraudulent information appearing on my credit reports from Equifax, XXXX, and XXXX. This situation is causing severe harm to my credit, personal life, and the well-being of my family members. Despite following all required legal procedures and providing necessary documentation, the credit reporting agencies have not taken any corrective action. I urgently seek the CFPB 's intervention to ensure that Equifax, XXXX, and XXXX fulfill their legal obligations by promptly removing the fraudulent information, which is jeopardizing my financial stability and the security of my family members who depend on our shared financial well-being
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I notified the credit reporting companies that the information on my report was inaccurate and asked them to correct it. However, over 1 year later and only XXXX credit reporting agency removed the accounts from my report. The accounts are collections accounts and they are not mine. I have asked the company to provide proof of ownership put they can only provide me with a statement from another company, which is not them. I do not owe the debt, pursuant to 18 USC 8. This company is violating my consumer right to privacy, 15 USC 1682. 1b.
Consumer complaint received 2023-03-11
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: NAVY FEDERAL CREDIT UNION (IL)

I have reached out to the creditors on many occasions letting them know they are violating my federal rights, pursuant to the fair debt collection practices act and fair credit reporting act along with local state laws please note that I am requesting these items be removed from my credit file from all the major credit bureaus please also be aware that any negative marks found on my credit reports including XXXX XXXXXXXX, XXXX, XXXX XXXX or from your company or any company that you represent, for a debt that I don't owe is a violation of the FCRA/ and FDCPA under USC : 1681 You must request all credit reporting agencies to delete the entry.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Nelligent, Ehablement of Identity fraud.and violations of the fair debt collection practices, Act including but not limited to Section 807-80 ) Violation of the fair credit Reporting Act I have no Acknowledgment of any items being reported. Thanks In Advance ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge, Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$190.00}
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MO)

Transworld Systems XX/XX/2019 - {$74.00} XX/XX/2019 - {$140.00} XX/XX/2019 - {$330.00} XX/XX/2019 - {$62.00} XX/XX/2019 - {$180.00} XX/XX/2019 - {$180.00} I have called repeatedly and explained that I never recieved notice through the mail of the debts to be disputed. I have called and requested verification of the debt from the original provider of service & have not recieved any information. They argue that its HIPAA law and dont have access to basic information to send to me, origional date service, amount due, provider.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian remove credit freeze page has not been working or down for more than 2 weeks. Every-time I visit the page to try and lift a freeze I receive the following error screen : Previous city 1 is a required entry. 
Previous state 1 is a required entry.

Previous ZIP Code 1 is a required entry. 

Although I am entering in the correct information with my current pin it continues to show errors no mater if I enter my current address of the past 6 years or my previous address. 

The site needs to be fix if one wants to lift a freeze. I have sent the company several emails but no reply from them as of today XX/XX/2020
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I am a small XXXX of XXXX XXXX consisting of single family homes and duplexs. My total mortgage debt includes XXXX on my primary home and XXXX on a single duplex. No one property will appraise above XXXX to qualify for a new loan yet i have a credit score above XXXX. I am easily covering the combined mortgage debt yet would like to prepare for any financial hardships arising from future unknown covid complications. I carry no debt, no car payments and excellent credit. If I XXXX  a XXXX dollar XXXX XXXX there would be options yet because no single property can attain that equity I seem at a loss. I have been told many times that there is nothing that can be offered and therefore I am posting here, My primary home loan is with Wells Fargo and my investment loan is with XXXX XXXXBoth are located in XXXX, NJ XXXX. It seems very unacceptable when i have clear deeded properties to use for collateral in excess of {>= $1,000,000} dollars and there are no options available including the operator at Consumer Financial Protection Bureau ( CFPB ).
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

In 2022, my XXXX checking account was fraud due to XXXX lack of management. I had to freeze this checking account and open another one. It took my a lot of efforts to update all my other automatic payments to this new checking account. Somehow my XXXX credit card automatic payment was not updated with the new checking account. 

XXXX did not contact me or call me regarding this issue. They closed my credit card which I had with them for 20 years, by over due {$13.00}. I think this is not a proper way of treating a loyal client who is with you over 20 years. I will appreciate someone contact to alert me.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I am filing this complaint towards Mohela because they seem to have a work ethic that does not speak highly of them. I have reached out to Mohela many times in hopes that they correctly update qualifying payment counts since they have accepted and processed the PSLF Forms I have submitted for all of my employers. 

On XX/XX/XXXX, once again I spoke to 2 different supervisors at Mohela by the name of XXXX and XXXX regarding the PSLF forms I submitted for various former & current employers XXXX, XXXX XXXX XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX. All the forms were processed however none of the payment counts were updated. The supervisors activated the forms to get processed once again and stated that once the forms were accepted and processed the qualified payments should have also been updated. The supervisors stated that it should take 14 days to get processed, but I have been waiting for over 2 months and Mohela has not resolved the issue they created. I should have qualifying payments since the year XXXX but Mohela has failed to provide that update to my loans. Dealing with Mohela is really a much cause for stress and my mental health is being affected to see that Mohela has not taken responsibility to update my payment count in a timely manner. I also see that only one month in XXXX was updated but many months have been skipped. 

My hope is that cfpb can reach out to Mohela on my behalf and request that they update my loans with the qualified payments going back to the year XXXX.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

On XX/XX/20 ERC received that I sent a debt validation letter that was sent by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. I called ERC on XX/XX/20 for a resolution and spoke to an male agent who confirmed the information was not sent and asked me what information I wanted I told him that they did not provide the requested info in the required time frame and I would only like for the information to be deleted at this point, he then transferred me to the escalation department who hung up on me. I called back and another agent told me they can send it out then changed the story to say they believe XXXX  sent the info out on XX/XX/20. Even so they had 30 days to respond to this matter and failed to do so. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following information to validate debt : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental The original balance The current balance Any fees added by your agency.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I received a telephone call on XX/XX/2020 from a debt collector demand payment of {$1200.00} owed to a firm called XXXX, XXXX XXXX Ca. I informed this caller that I had never done business with XXXX and to cease trying to collect a debt I did not owe. 
I then reciveed a demand letter from the debt collector, XXXX XXXX and XXXX, XXXX Ohio, stating that I needed to make this {$1200.00} payment now or they would take further steps to collect this debt. I replied in a letter ; that I never did business with XXXX, that I did not owe XXXX {$1200.00} and asked for documentation for this debt. This debt collector did not provide the documentation, and called again. 
I was finally able to get someone at XXXX to response to my request for assistance and was provided with an invoice dated XX/XX/2020. It was billed to a company named XXXX, without a address, telephone # XXXX XXXX it stated the the payment would deducted from the account on record. I asked or documentation such a signed contract, name of the Account on record, customer contact information. The reply from XXXX was to contact the debt collector.
Consumer complaint received 2020-08-21
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: EQUIFAX, INC. (LA)

I have disputed this account on many occasions this account is in Litigation with XXXX states on agreement of the lawsuit this account should be deleted from all bureaus its deleted from XXXX. But XXXX   and Equifax wont delete it ... I have documents from my Attorney General and screenshot pictures of this account removed from XXXX  ... XXXX filling a complaint on both Bureaus XXXX  and Equifax the account is XXXX XXXX this company is known for subprime loans they give large interest rates loans to customers that cant make payments with low credit scores. Inaccurate reporting to bureaus.