davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
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. (MS)

Upon requesting and viewing my credit file with Experian ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Experian ). Here are the errors that I need Experian to correct. 1.  XXXX XXXX XXXX This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 2. XXXX XXXX This account is paid in full.
Consumer complaint received 2019-05-31
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. (MI)

I contacted Transunion today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 15 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified transunion of this. I asked Transunion to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Transunion is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX.
Consumer complaint received 2019-01-07
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: Nelnet, Inc. (FL)

I am filing a complaint against XXXX XXXX XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Consumer complaint received 2019-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

My Husband XXXX XXXX took out a loan with Springleaf Financial now know as One Main Financial. This was an installment loan with using a 55 inch XXXX tv as collateral. They asked him if he owned his car/suv he told them NO I do not that is in my wife 's name. I XXXX XXXX, noticed in XXXX  on our car insurance, bill with XXXX XXXX XXXX XXXX XXXX, that Springleaf what showing on as lien holder on my XXXX XXXX XXXX.

I called Springleaf office several time and they refused to talk to me. XXXX XXXX gave them permission over the phone one occasion and then handed the phone over. I told them you need to remove yourself from my car as lien holder as the in NOT in XXXX 's name it's in mine and I have the titled. They said they had no knowledge of this.

I elevated this to corporate and NOTHING was done so finally I told XXXX to Stop paying on this loan it is NOW paid off and I am going back after them for damages as they can not lien property they never had the titled or authority to do so.

That is Fraud, I XXXX XXXX did NOT give authorization nor did I sign the title of my vehicle over to XXXX  for this installment loan.

I need to make this clear that XXXX XXXX is who the loan was for I am his wife XXXX XXXX, but I am NOT on the note of this loan. This was something my husband took out in his name only.

I called my insurance Agent XXXX XXXX and he was able to find out that this request as lien holder came in through corporate by way of Springleaf and NOT to his office, which he pointed out is not the normal process, usually he would get the phone call and information from the consumer and he would reach out to the lien holder to verify. Since this went directly to XXXX XXXX XXXX XXXX XXXX corporate he was unaware until I contacted him direct, after years of failed attempts with Springleaf Financial now know as One Main Financial.

I have attached all the proof of this.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I pulled a copy of my credit report and noticed several errors in my files. Per section # 609 of the Fair Credit Reporting Act consumers have the right to dispute inaccurate information. I started disputing with TU about 3 months ago. On XX/XX/XXXX, XXXX XXXX sent me an alert so I accessed my account for updates. To my surprise, TU had finally removed the derogatory/ inaccurate items from my report. In addition to that, they removed ALL of the accounts that were POSITIVELY reporting on my credit report. On XX/XX/XXXX my score with XXXX was XXXX and on XX/XX/XXXX XXXX XXXX was reporting XXXX. Currently, there's only ONE account reporting and that's XXXX XXXX   XXXX. None of my new accounts, Installment, or revolving accounts are reporting. I knew something wasn't right because I received a letter from TU on XX/XX/XXXX with a dispute status stating : After reviewing your dispute request, we found the information you disputed does not currently appear on your TU report. It's possible the information was updated before we reviewed your report or it was reported by one of the other credit reporting companies. Normally, TU will send an updated Credit report but in this case they DIDN'T. They instructed me to pull a copy myself. I am filing this complaint because TU is negligent of removing items that were not a part of my original disputes. Also, I feel that TU is not in compliance with the policies or standards that they require their employees to  follow. This has caused severe emotional stress because I'm working on opening a business and purchasing a home. By removing those positive items from my account, this has a negative impact on my credit scores, interest rates and the ability to establish/ obtain new credit. I will be filing a complaint with the FTC and the CFPB. I'm demanding an immediate investigation into this claim and would like for TU to restore my report with the positive accounts I had listed prior to them deleting them.
Consumer complaint received 2018-10-25
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. (MI)

This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not XXXX XXXX compliant which is causing me serious XXXX in my life. I would like for this company to bring my account to current status for each month they have reported me late.
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

My local VA clinic sent me to the local XXXX Hospital to be treated, and they promised me that the VA would pay for it. I am a Veteran. Well they have NOT paid for it and now I have bills from collections agencies that are ruining my credit, which has fallen over 150 points!
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I sent a RESPA letter to SPS and called them regarding an inaccurate pay off statement and inaccurate statements. I called SPS and talked with XXXX XXXX and asked her : 1. Why the amount to reinstate my mortgage was {$450000.00} on my XX/XX/18 Statement versus {$260000.00} on my XX/XX/18 Statement. 
2. What is the recurring " Other Charges and Fees '' ( see XX/XX/18 statement ) of {$5300.00}. 
3. Why the historical past due amount for XX/XX/18 on my XX/XX/18 statement was {$3400.00} and changed to {$2400.00} on my XX/XX/18 statement. 
4. Why did my mortgage payment go from {$2400.00} to {$5300.00} on my XX/XX/18 mortgage statement. 
5. How do you justify charging a monthly mortgage amount of {$5300.00} plus {$5100.00} in Other Charges and Fees of {$5100.00} ( see XX/XX/18 stmt. ) for a total of {$10000.00} solely for XXXX.. 
XXXX ' could not answer the questions and their RESPA response did not answer the respective questions. XXXX stated that the statements were in error and were a projection. She went on to say that the loan had been delinquent for too long to provide an accurate accounting.
Consumer complaint received 2018-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had two credit cards accounts with Bank of America, one opened XX/XX/XXXX with a Credit Limit of {$500.00} and the other opened XX/XX/XXXX with a Credit Limit of {$3000.00} both of them are over 10 years old and you guys still report them to my credit. Please stop reporting these two accounts to my credit report, they are too old.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope this letter finds you well. I am writing to file a complaint regarding late payments that have been inaccurately reported on my credit report. I have attached copies of relevant documentation to support my claim. 

Accounts : XXXX XXXX XXXX XXXX Account # : XXXX Problem : Outdated XXXX XXXX XXXX Account # : XXXX Problem : Inaccurate information on late payments. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Problem : Inaccurate information reporting late payments Despite my efforts to rectify this matter with the creditor directly, the inaccurate information persists on my credit report. I believe that these inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) as they are negatively impacting my creditworthiness and financial standing. 

Enclosed, please find the following supporting documents : 1.Copies of correspondence with the creditor attempting to resolve this issue. 


I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. I understand the importance of accurate credit reporting and the impact it has on consumers ' financial well-being. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of the information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-25
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: Experian Information Solutions Inc. (NJ)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX Experian : XXXX. XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX:XXXX Experian : XXXX   XXXX : XXXX, XXXX  XXXX : XXXX   Experian : XXXX XXXX XXXX : XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX  XXXX  : XXXX , XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX , XXXX XXXX:XXXX Experian : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   XXXX  : XXXX , XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX from Capital One. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX. 
I have tried to contact XXXX XXXX XXXX to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased. 
Capital One runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.
Consumer complaint received 2018-10-25
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. (CA)

I purchased an airline ticket, I tried to cancel the ticket in advance before the trip. The airline at first refused, then said i could get a refund through their " refund process ''. After months, they denied my request through their refund process even though I was led to believe I would get a refund. I filed a dispute with my credit card issuer, but they refuse to find in my favor. No one ever used the ticket in question.
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (FL)

Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( Experian, XXXX, and XXXX ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as XXXX XXXX
Consumer complaint received 2018-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-10-25
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: PRESTIGE FINANCIAL SERVICES INC (CA)

I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with Prestige Financial, XX/XX/XXXX,XX/XX/XXXXfrom XXXX XXXX. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX.

I have tried to contact XXXX XXXX XXXX  to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased.

XXXX XXXX runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.
Consumer complaint received 2018-10-25
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. (TX)

I disputed a discharged bankruptcy and Experian and XXXX   refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to Experian and XXXX and they still refused to delete the error.
Consumer complaint received 2018-10-25
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. (CA)

While monitoring my credit reports I found several fraudulent inquiries on Trans Union, XXXX, and XXXX. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX CA. This is despite the fact at the time I had a valid XXXX account in my home in Washington, which had been active for years. Needless to say I no longer use XXXX. 

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted Trans Union, XXXX and XXXX to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX XXXX and one other creditor honored my request and removed the fraudulent inquiry. 

The majority of the fraudulent accounts were initiated with a XXXX CA address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case. 

Months later XXXX discontinued my service and claimed I owed them over {$900.00} for service in XXXX CA. I explained to them that I contacted their office in XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX correct this issue, I filed a complaint with the PA Attorney General. XXXX eventually apologized and removed the collection from my reports. 

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed. 

TRANS UNION fraudulent inquires : XXXX   XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 Please note, I currently have an active XXXX XXXX Card and an active XXXX XXXX Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.