davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (GA)

Received an unusual voicemail from a XXXX XXXX asking to speak to me or my attorney. He did not say what it is regarding. He did not even tell me that he was collecting a debt. Only that I am ignoring the matter " at this point in service '' and they will proceed to any available next steps if they do not hear from me or my attorney. A message like this was sort of scary and made me think that this was an attorney and I am being sued. I do not have an attorney and I have n't been served any papers. I thought that perhaps this was one of those fake XXXX calls so I googled the number. It is possibly XXXX bank calling regarding a card that I made arrangements to pay.
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these uknown accounts from my report as soon as possible. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$530.00}
Consumer complaint received 2020-05-15
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. (TX)

On the date of XX/XX/XXXX of 2020 i placed a complaint and dispute to the company and or bureau of trans union. After waiting on a response, transunion deleted most of the requested items proven to be fraudulent or taken without my authorization. However, there still remain a inquiry from XXXX XXXX  that do not belong to me there are phone number and addresses that do not belong to me. I requested that transunion remove every phone number that was not my original and only phone number XXXX. Every address should be removed from my credit file other than the 2 addresses I've lived which are XXXX XXXX XXXX XXXX XXXX tx XXXX and XXXX XXXX  XXXX XXXX XXXX tx XXXX. Every other phone number and address should be removed. Also, I contacted XXXX, sending them a copy of my driver license and police report along with all requested info to prove my real identity. XXXX  have not responded with any updates, deletes or changes to my credit file. I sent them copies of receipts where i contacted the reporting collectors and i did not receive a response from them as well. I have several inquiries and collections placed on my credit file that is not mine. These accounts were taken without my knowledge, authorization and or approval. In response to my complaint I am requesting that all of these accounts be immediately deleted all addresses and phone numbers removed and inquiries deleted from my file in that the impact of this erroneous reporting has effected me tremendously.
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

Late XXXX or early XX/XX/2020, I contacted Wells Fargo Dealership about COVID-19 assistance, if at all, offered by Wells Fargo Dealership. They stated a 90-day deferment but that I have to pay {$27.00} and change by due date each month. I did that starting in XXXX and XXXX. However, I recently received billing somewhat different than what was discussed via the phone. My regular monthly payment : {$350.00}, but the total due is {$270.00}, not the {$28.00} ( interest and late charges ). In addition, I was told that balance of payoff of the XXXX XXXX XXXX must be paid in full by XX/XX/2020! How is this helping me during the COVID-19?
Consumer complaint received 2019-08-05
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: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In XXXX, I was taking XXXX 's level classes using my GI benefits through the Department of Veterans Affairs. Due to multiple XXXX  while on XXXX XXXX, I was forced to withdraw from the courses. I was told by XXXX University that I would not be charged any fees due to my extenuating circumstances. Several months passed and I received a packet of undelivered letters from the VA, despite receiving other mail from them in the meantime. This packet said that I had a payment due that was now in collections. After many conversations between the VA and XXXX, a miscommunication was found between those two parties, and everything was supposed to be cleared as of XX/XX/XXXX. I checked my credit report in XX/XX/XXXX and found that there was nearly 18 months of collections on my account, ending in XX/XX/XXXX, for this miscommunication between the VA and XXXX. I wanted to have that removed from my credit report so I submitted a dispute through Experian in XX/XX/XXXX explaining my situation and asking that those months of collections be removed. At the end of XXXX, I received a response that all the months of collections had been removed as I had asked, but now it was showing the account was in collections for only the month of XX/XX/XXXX. This makes absolutely no sense as they previously had the collections ending in XX/XX/XXXX when the issue was resolved. I reached out via phone to address this new issue, and they were not able to assist and suggested I submit a new dispute. I did this in early XX/XX/XXXX. I recently received the results of this second dispute, and it appears that Experian removed the collections flag from XX/XX/XXXX, but now has it in collections for only XX/XX/XXXX. I am unsure what to do at this point as I have reached out via phone and electronic dispute and can not resolve this issue. It has dropped my credit score nearly 30 points in the past two months because of their errors.
Consumer complaint received 2019-08-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX ; Experian and XXXX are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-16
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. (NC)

equest for Removal of Unauthorized Credit Inquiries in Violation of the FCRA** Dear CFPB Representative, I am writing to request your assistance in addressing multiple unauthorized and erroneous credit inquiries made by an auto dealership during a recent vehicle purchase process. I entered the dealership with pre-approval from my preferred lender, specifically requesting that no additional credit checks be conducted. However, the dealership disregarded my instructions and processed numerous unnecessary and unauthorized inquiries, which have negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), consumer reporting agencies are required to ensure that credit inquiries are permissible and authorized by the consumer. These inquiries were neither necessary nor consented to, as I provided clear instructions to use my pre-approval financing. As a result, these inquiries have violated my rights under the FCRA by failing to meet the permissible purpose requirement. The inquiries I am requesting to be removed are as follows : 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 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 2019-08-05
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: EQUIFAX, INC. (FL)

My purse was stolen and someone is using my identity with my personal information to apply for accounts that are reporting on my credit report that are not mine and I did not authorize. I am an identity theft victim and I have contacted Equifax three times to resolve this issue. This matter needs to be resolved asap.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2020-05-09
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: AES/PHEAA (TN)

I have 12 closed Fed Loan student loans that originate as far back as XXXX. Starting in XXXX, I have attempted to have Fed Loan correct missing data on ALL loans and they have refused to do so. Each letter or email reply has indicated that they found no errors and that the " customer disputes the findings ''. 

In reviewing all three Bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX, I observed that all 12 accounts still have errors. The combined number of months of non-reported data, in between reported months of activity, exceeds 250 plus months. This directly affects, negatively, my credit report as the percentage of account months paid on time are inaccurate. 

These loans are all paid off by way of consolidation. In addition to lacking accurate and complete monthly reporting data, which is mandated by the FCRA, the account numbers are incomplete, the status is inaccurate and the age of some accounts exceed the reporting period. 

The FCRA allows for a penalty of up to {$1000.00} per incident for failing to properly and accurately report on a credit report. I have been unable to obtain financing, lower insurance costs and a litany of other penalties as a result of Fed Loans illegal and incompetent actions. 

I filed a complaint with the XXXX, but was advised that due to the type of creditor Fed Loans is, I was to file my complaint here.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. ()

My loans were sold to banks without my knowledge and then Nelnet changed to XXXX without my knowledge ( different logins, difficulty accessing my account ). My payments are dispersed differently every month, and I owe more in interest than principal. I am unable to catch up with my payments because the interest is so variable, and monthly fees are almost always added. I also only have a payment history from XXXX when I've been paying on these loans off and on since the late XXXX. They have no record of that, and I'm not being given for any credit for the nearly XXXX years I paid on it since they sold my loans to the banks. I was told I must re-consolidate my loans to have a lower payment, but if I do that, my payment history will be erased, and I'll be starting over. 
This is an example of what I'm dealing with : Group Total Applied Applied to Principal Applied to Interest Applied to Fees* A {$1000.00} {$110.00} {$910.00} {$64.00} B {$310.00} {$31.00} {$260.00} {$18.00} Total {$1400.00} {$140.00} {$1100.00} {$83.00} Payment Date Payment Amount To Principal To Interest To Fees XX/XX/XXXX {$800.00} {$580.00} {$190.00} {$28.00} XX/XX/XXXX {$1000.00} {$650.00} {$290.00} {$56.00} XX/XX/XXXX {$600.00} {$390.00} {$170.00} {$28.00} XX/XX/XXXX {$470.00} {$100.00} {$340.00} {$28.00} XX/XX/XXXX {$410.00} {$0.00} {$350.00} {$56.00}
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Hello Rushmore, Refer Following CFPB CASES XXXX, XXXX, XXXX You are not XXXX XXXX XXXX. 
So, you not supposed to reply to me for them because you are not. 
" CFPB XXXX XXXX XXXX '' Furthermore, you supplied wrong contact information for your principal. Undeliverable Mailing Address and False Phone Number. 
You asked me the authorization to contact you, so I've provided them for you, now you have them. 
For the same token, I'm asking your authorization to process our loan from the principal for our loan Provide us the authorization from my note holder. 
Under what authority, have you try to foreclosure our property? 
Which Government authority give loan servicer to foreclosure the property but servicing the loan? 
The documents you've prepared are anybody can get at the County Recorders office by paying $ XXXX page. 
Until you get me the authorization from your principal, you are simply one out of million fraudulent debt collector. 
Stop and ceasing your collection activities toward us immediately. 
Truly, XXXX
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WY)

On XX/XX/XXXX, I purchased petroleum products with my Chase Credit Card worth INR XXXX from a merchant with the promise of delivery within 7 business days of the payment. ( SEE MERCHANT DECLARATION ATTACHED ) Despite repeated attempts to reach out to the merchant after 7 business days, I have not received the promised products TILL DATE. 

I filed dispute in XXXX for non-delivery of the said products with Chase Cardmember Services, Chase Bank however despite repeated attempts to reach out via Chase Message Center, I did not hear back. ( SEE ATTACHMENTS ) On XX/XX/XXXX, Chase wrote that they have decided the case in favor of the merchant ILLEGALLY WITHOUT- a ) PROOF OF DELIVERY b ) TRANSACTION CHARGESLIPS ( Thus transactions are not bound by card-member agreement ) c ) MERCHANT RESPONSE ( No merchant signed response has been shared ) In addition, the Dodd-Frank Wall Street Reform and Consumer Protection Act, 2010 's Regulation Z and TILA, includes prohibitions on mandatory arbitration and waivers of consumer rights however Chase has refused to abide by the same in it's responses ( SEE ATTACHMENTS ). 

A COPY OF THIS COMPLAINT AND ITS OUTCOME WILL BE SHARED WITH SEC, Federal Reserve Board & DEPARTMENT OF JUSTICE FOR MONITORING & REGULATION PURPOSES.
Consumer complaint received 2020-05-15
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. (MD)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OK)

The account was not being paid by my ex. I have taken over payments and have brought it up to date. This company is impossible to deal with. Every time I have contacted them to try to get things fixed all I hear is that they cant help. I have requested for them to update my credit report and they refuse to update my credit report. They just keep saying we have to file a complaint with the credit reporting company to get it fixed
Consumer complaint received 2017-09-10
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)

I found out that my information was hacked after reading about it in the XXXX XXXX XXXX. Equifax made no effort to notify me and I still have n't been contacted directly. I 've tried to find out via Equifax 's website the extent of the hack, but could not find out any useful information. 

I 've put fraud alerts on my credit with each agency, and will continue to renew.
Consumer complaint received 2017-09-10
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. (MO)

I was another victim in the large scale Equifax hack. Like many others, it was suggested that I check the status of my personal information on their website, and after doing so, I was told that I should return at a later date, and was directed to a page with ads for their credit protection services, which given the situation, is entirely improper. 

Moreover, with the number of times that I 've moved in the last few years ( I just finished XXXX XXXX, and even moved in the middle of that for an XXXX ), I 'm having trouble checking my credit report through XXXX.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

U.S. Bank Gold Checking account opened on XX/XX/XXXX with the condition that 2 bill pays were completed to receive a {$200.00} account bonus. Bill pays were completed on XX/XX/XXXX. I contacted U.S. Bank on XX/XX/XXXX and XX/XX/XXXX and was informed by 2 different representatives that the promotion was linked to my account and the requirements were met. I was informed that the bonus would be deposited by XX/XX/XXXX. The bonus has not been received.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you
Consumer complaint received 2020-05-15
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. (WA)

I have been trying to put a Security Freeze on my credit report due to the potential risk of identity theft that I have recently been alerted to, but Experian 's online credit freeze is not working for a week now. The error alert claims I could not be verified, so I needed to send all my confidential information through the mail to them - which seems ridiculous in this time sensitive matter, and simply in this technological age. XXXX and XXXX were able to freeze my account in minutes. However, most interesting is that Experian had no problem verifying me and accepting my information to create a new Experian account to sign up for their XXXX credit locking program. This seems like a suspicious roundabout way to prevent me from using my right to freeze my credit report for free, and instead pay for a {$24.00} a month lock subscription. I would appreciate CFPB investigate why Experian 's online credit freeze feature does not work. I would contact Experian, but no email is provided, and I can't get through to them on the phone.
Consumer complaint received 2020-05-15
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.