davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Relocating to a different state, looked to rent a house. Been denied to few of them, finding out, that our credit score went down from over 800 score to XXXX never been informed about this changes. Would like to know reason why our credit score lost over 100 points. We are seniors, in the XXXX 's. So, please help us to solve this issue. Thank you. XXXX and XXXX XXXX
Consumer complaint received 2021-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I had a XXXXXXXX XXXX Student Loan serviced by Firstmark. The balance was {$210000.00} on XX/XX/XXXX. I had initially planned to refininance roughly XX/XX/XXXX between XXXX and XXXX XXXX. My XXXX ( serviced by Firstmark ) refinance for {$110000.00} was completed and applied to the XXXX loan on XX/XX/XXXX. Ultimately, it made more sense to refinance the balance entirely through XXXX XXXX ( serviced by XXXX ). XXXX XXXX payed Firstmark {$210000.00} on XX/XX/XXXX. Firstmark applied {$100000.00} of this to the XXXX XXXX Loan to close it out. They reasonably elected to apply the balance of {$110000.00} to the commonbond loan on XX/XX/XXXX, closing it out and leaving a credit of about {$6000.00}. I contacted XXXXFirstmark a few times and was assured that XXXX XXXX would be receiving the credit of {$6000.00} within a week or 2. 

I received a Loan paid in full letter from FirstmarkXXXX on XX/XX/XXXX. To my dismay, on XX/XX/XXXX, I checked my account and found that I am noted to be past due. Firstmark reversed the {$110000.00} payment. I called them on XX/XX/XXXX. Initially, I was told that the check bounced, or that I had stopped payment or something. After numerous calls and emails a few days per week, I am told that they are investigating it. They refuse to take me out of past due status in the meantime. They haven't refunded me or XXXX XXXX. They refuse to escalate me to supervisors in customer service and every time I call, they tell me they are putting in a request for a review, and I will hear from them in 1-2 business days. Emails note to expect a reply within 2-3 business days. They have not reached out to me at any point despite numerous promises of a resolution being a couple days away for the past 2+ weeks.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

This is my XXXX 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 an 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
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

My name is XXXX XXXX, a federally protected consumer, and I'm filing this complaint with the CFPB against Hunter Warfield , Inc. because they have failed a requirement in the Fair Debt Collection Practices Act ( FDCPA ) sending me written notice containing 1. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 2. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 3. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I received the initial communication via email on XX/XX/2022, which I have attached and labeled as Exhibit A. These failed requirements were not included in the initial communication by Hunter Warfield , Inc. which they are required to be ( 15 USC 1692g ( a ) ). Although, Hunter Warfield , Inc. failed their requirement, I thankfully knew and asserted my rights, and asked for validation of debt, which I have attached and labeled as Exhibit B. I mailed this letter on XX/XX/2022 and it was received by Hunter Warfield , Inc. on XX/XX/2022. I sent the letter via certified mail with return receipt, which I received back not properly filled out with a name of who received it, which I have attached and labeled as Exhibit C. On XX/XX/2022, Hunter Warfield , Inc. sent me an encrypted message stating that they enclosed a validation of debt. Upon further inspection, they didn't include a trilateral agreement that I had requested them to provide that I am obligated to pay their company. They only provided a 'Statement of Account ', 'Apartment Lease Contract ' , & 'Signature Details ' which states that I owe an alleged debt to XXXX XXXX, which I have attached and labeled as Exhibit D. I sent Hunter Warfield, Inc. an Opportunity to Cure letter on XX/XX/2022, which I have attached and labeled as Exhibit E. Hunter Warfield , Inc failed to provide a trilateral contract with my signature, or anything else proving that I am legally obligated to pay this company. Hunter Warfield , Inc. received my letter on XX/XX/2022 via tracking and return receipt, which is attached and labeled as Exhibit F. Once Hunter Warfield , Inc. received my letter, they did not respond back. Now, on XX/XX/2022, I found that Hunter Warfield, Inc. is trying to collect without verification of debt, which they have not provided by debt parking this account on my consumer file.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

Attempted Linking XXXX account and PNC Bank checking account. PNC Bank stated I was no longer permitted to have these privileges due to the prior amount of overdraft fees on my account. I believe this is unfair.
Consumer complaint received 2023-07-17
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-02-25
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: Experian Information Solutions Inc. (TX)

Under 15 U.S. Code 1681 ( i ), Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

Experian has stalled the process of removing the following unauthorized inquiries on my account. 
XXXX. XXXX CO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX This process has been stalled and I have been mislead and lied to since XX/XX/XXXX. After checking my credit report and contacting them, I was advised I must send a police report and/or identity theft report. They have received both forms and I have contacted Experian over 30 times since the month of XXXX. They advised me once they receive the report these unauthorized hard inquiries will be removed. Now they are say that because I have an open auto loan that these inquiries are corresponding. That is false. These inquiries are FRAUDULENT. I have explained these inquires are from a several different dealerships who fraudulently ran my credit report. These dealerships are not correspondent with my open auto loan. They did not contact the above creditors to check my credit. The above creditors were ran by different dealerships for different transactions that are FRAUDULENT. I DID NOT CONTACT THE ABOVE LOCATIONS TO REQUEST ANY PURCHASE. YOU ARE DENYING ME OF MY LEGAL RIGHT BY NOT REMOVING THESE HARD INQUIRIES.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: 950 Credit Inc (IL)

I was told I could move out of my apartment early by XX/XX/XXXX by my landlord. I accepted and moved out. The landlord contacted a collection agency and is reporting that I am not paying rent for XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been out of the apartment since XX/XX/XXXX. I emailed them and left the keys on the kitchen counter in the apartment. There were numerous issues that they never fixed so I withheld the last month rent which is my right by tenants rights. I filed a 311 complaint about brown water in XX/XX/XXXX. Had leaking vents on the back porch in XX/XX/XXXX. None of this was addressed. Their answer was to tell me to move out early and not renew my lease ( which was up in XXXX of XXXX ) I have contacted the credit reporting agency numerous times and sent them all of my emails and texts from the landlord and myself. I have included the letter I sent to the landlord certified and emailed and hand delivered declaring my acceptance of their offer and my withholding of the XXXX rent due to lack of attention to complaints. They told me that the landlord will not remove the charge and they will no longer talk to me. This has been going on since XX/XX/XXXX. I need help please.
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (MS)

A bank by the name of XXXX XXXX XXXX is reporting a debt on my XXXX, XXXX, and Experian Credit reports. The amount of the debt reports to be for {$180.00} and was opened on XX/XX/2018. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and Experian credit reports immediately and sent back to the original creditor for further review and investigation.
Consumer complaint received 2023-08-04
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)

This is one of 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please remove this account immediately.
Consumer complaint received 2023-07-17
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)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (CT)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 


Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. 
I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. 
I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. 
I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter out on XX/XX/2023 to XXXX, Transunion and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OR)

On XX/XX/XXXX my fiance had sent me money on chimes new send to anyone including people without chime accounts, when I received the money it said to put in my debit card info or open up a chime account and earn XXXX bucks, I did some research and decided to go ahead and open an account, so everything was farely easy to open the account and my XXXX dollars was deposited in my new chime account. The next day I went to go buy a shirt from XXXX and when I went to pay with my XXXX play using my chime account it said declined so I panicked and not only that was extremely embarrassed and laughed at. So I went to my phone and tried to log in and boom it said my account had been frozen,, so I called immediately and they said it was no problem just to send in my ID mail and second proof of ID, so I got home and did just that but then all the sudden it wasn't good enough they need something else, in the United States of America birth certificates are considered XXXX form of identification but nope chime wouldn't except it, but I tried to explain I lost everything in the XXXX Oregon fires and ATM its all I had, plus they wanted a bill XXXX my name but at first it was any kind of mail the only problem I have is I'm living with my sister because like said my fiance and I lost our home in the fire so I don't have any bills in my name or they wanted a banking statement but I wouldn't be banking with chime if I had XXXX, so I told them the unemployment letter was from the government and that should be just as good as an electric bill, plus I explained that I just got this new job and the money my fiance sent was also supposed to get me to work and my kid to daycare well they couldn't care less, so i finally got a bank statement mail from a bank account I don't use anymore haven't for sometime but it was a statement like they said I could use but then that wasn't good enough, it's been this huge run around, every time I call they say someone from the review team will contact me in the next XXXX hrs and it never happens I sent them the receipt and stuff from the XXXX XXXXy XXXX saying this was proof until I receive my card and that's still not good enough, they haven't even responded to me in weeks, I don't understand what else to do, it's crazy that their really just gon na keep money that's not theirs, something needs to be done and they should be held accountable for their mistakes, as of now my hours were cut at work cause i didn't have gas to get there and to take my kid to daycare so now I've fallen back in a financial hole all thanks to chime and their uncaring ways, I just want my money or if it's such suspicious activity then give the money back to my fiance I mean if I was scamming the best thing they should do would be give the money back to the person who sent it
Consumer complaint received 2021-12-07
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-07
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. (IL)

For about a year now, I have not only had inaccuracies on my credit report, but I am also having issues receiving an updated credit score/account info from XXXX. Account status and balances are incorrect, and causing further issues.