davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

One account was removed, and the other 4 inaccurate one 's remain ... and they look to be duplicates ... 

XXXX XXXX {$240.00} XXXX XXXX {$240.00} XXXX XXXX {$530.00} XXXX XXXX {$530.00} Original creditor : XXXX  XXXX XXXX No contracts exists ; settled accounts with original creditor, grave error, and against F.C.R.A. law Please be advised this is against F.C.R.A. law and is a violation of my rights.. The inaccurate and unverified items listed below remain on my credit report in violation of Federal Law. These accounts were settled with original creditor. There is no contract with collection agency, no valid verifiable claim. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Sent in three letters stating that the address they have on file are wrong, the only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX Please delete all other addresses because they are outdated information, and some of them I never lived there. They still havent deleted the old address.I have been a victim of fraud in the past due to things being sent to other addresses and people using my information.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

For the 3 time in less than a week, Equifax sends me a credit report with a confirmation number ( XXXX ) that I can NOT access. It tells me that my information does NOT match their records, but, all I enter is the information that's on the confirmation number, Name, Address, date of birth & social security number. This is absurd, and they are pushing to do everything online! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Of Birth : XXXX SSN : XXXX
Consumer complaint received 2018-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & # XXXX on XX/XX/2018. I asked by letter accounts XXXX  XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a XXXX rep on XX/XX/2018 he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Consumer complaint received 2018-07-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

TOYOTA MTR # Multiple lates retro reported which is erroneous and illegal. Before I pursue this matter using the legal system, I want the CFPB to resolve directly with Toyota. I can  prove, by monthly bank statements, all payments on time. Attached is an example of my credit from XXXX XXXX reflecting before and after dispositions. 

Almost a year after returning the vehicle Toyota Motor went back into my payments and reported one late payment for XX/XX/2016. 

The following month they changed that XXXX reporting on the closed credit line as current and changed 3 years of history into 30/60/90 day lates. 

It does not make sense how they allowed me to keep a car if I was always late. 
I was able to retrieve most of my bank statements to show payments made on time. Some of the payments from early XXXX I was not able to obtain proof of them retro reporting. My bank account that I use to pay them from is closed and I have no access to prove their malpractice. 

I am requesting help with this financial fraud. I would like them to either fix the retro late reporting and apologize or simply remove the credit line. They have prevented me from qualifying for a home for me and my children. I am a single mother of XXXX and they have caused me great grief and inconvenience. I don't know why they did what they did. Surely the law must have a way to protect consumers against such retro false reportings.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-17
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. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

First of all, my spouse initially applied for PSLF in XXXX; denied based on not having the 'correct loan repayment plan ' despite having made 120 payments on time and working for state universities ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. This denial has since been exposed as not a legitimate reason for denial. 

In XXXX my spouse died. I called MyFedLoan in XX/XX/XXXX. They said to send a letter requesting discharge and a copy of the death certificate which I did. I assumed it was going to be discharged and heard nothing. In XXXX I looked at my credit report and saw the student loan on there. I was alarmed so I called them again. I received many condolences and apologies and was told it would be escalated to management. 

Again, I heard nothing ; I was told it might move slowly due to COVID, so I waited until XXXX, and at this time I was so distraught and traumatized by the whole mess -- this is the response I got : " FedLoan has escalated the issue, the people I spoke to agreed that this is a horrendous mess, and they are mailing a document that contains the entire loan history. There was some history on the FedLoan side of things that said they recommended a write-off for the loans after you sent the death cert, but they weren't able to really tell me more than that. '' So, again, I assumed it was being taken care of. I never received anything and then suddenly MyFedLoan site disappeared and I was logging into FSAid. FSAid showed a XXXX balance from the time I logged in until now. I have screen shots of this balance. I assumed it was taken care of. 

A couple weeks ago ( XX/XX/XXXX ) I received a bill in my dead husband 's name saying that the whole amount was due. I also received the same bill in my name in the whole amount of the loan. We have been 'switched around ' by loan servicers, initiated by them, not us. From MyFedLoan to XXXX back to MyFedLoan to FSAId and now to XXXX. Each time in the past XXXX XXXX years there is a change, my dead spouse seems to be brought back to life and is asked to start repaying a loan that should have been first of all given PSLF and secondly should have been discharged due to death. I have sent the death certificate to many people, many accounts, many times. My spouse took out all the loans initially. I have no idea if somewhere along the way someone consolidated us, or advised to consolidate. My spouse handled all of the loans and repayment ( always on time ).
Consumer complaint received 2023-04-17
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-17
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-07-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please help me fight FRAUD. 
On XX/XX/2023 XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report WITHOUT MY PERMISSION and I have asked TransUnion Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File which is a clear VIOLATION of The Fair Credit Reporting Act, that specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase, ( XX/XX/2023 ). 

I am asking TransUnion under good faith not to be part of the FRAUD and to remove such unauthorized Fraudulent Inquiries from my Credit report just like XXXX and XXXX did. You can find above in the uploads copy of the letters from XXXX and XXXX who has DELETED such Fraudulent Inquiries from my Credit report as they found in their investigation that indeed XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report WITHOUT MY PERMISSION. Please note this is the second attempt to solve this issue with TransUnion.
Consumer complaint received 2023-04-17
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. (MI)

Once again, this is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items I found being reported on my credit report. I recently received a copy of my credit report and was shocked to find that there are several information that I did not initiate and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have been disputing this information and Experian is not taking my dispute serious. These accounts were opened due to identity theft and they are refusing to delete it. Here is a copy of my ftc report again so that they have all of the information to delete this off my credit report immediately, as stated before this was opened with identity theft and is not my account. I did not receive goods or services from these companies.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AL)

On XXXX I placed several calls to the number that was located on the back of my unemployment State issue card. I was calling in regards to a pending transaction of a total of {$250.00} that was should have been already posted to my account when I noticed I was being charged XXXX XXXX every time I place the call. When I called the number on the back of my card it prompted me to put in the last XXXX digits of my card number as well as my PIN number before it would prompt me to pick another option I had to put in that information in order for it to give me an option to choose from. When finally speaking to the representative I questioned her regarding this issue and told her I was not calling in to check my balance because I had already knew that because I have the app on my phone she's stated she didn't know why it was like that then I asked to speak to her supervisor after she stated that that transaction is still pending and that's all she could tell me at the time. After speaking with the supervisor I asked the supervisor why am I being charged XXXXXXXX XXXX when I'm placing a call to the number on the back of my debit card that I'm not checking for the balance I'm calling in regarding to a pending transaction of {$250.00} that should have post been already posted my account. She's stated to me that's just the way the system is set up and I stated to her that is very misleading because I was aware that I would be charged if I would calling to check my balance however, it did not let me have another option to choose from unless I put the required information that the system was asking it and I should not be charged XXXX XXXX just to call in to talk to somebody and that it wasn't right and that I would be reporting them. The supervisor then acted as if she couldn't hear me and as if we got disconnected and she hung up. Transactions are from IVR Balance inquiry fee and listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (OH)

I responded to a credit card offer with Target. There was a promotional offer if I opened a card I would receive {$50.00} coupon to use off of a purchase of {$50.00}. I received the card and the coupon in the mail. The promotional coupon said to download the coupon by scanning it no later than XX/XX/23 and the coupon has an expiration date of XX/XX/23. The problem is I did not receive the card until a few days after XX/XX/23. I tried to download the coupon but I received an error message saying it was invalid. I called Target Guest Services and I spoke to someone who assured me they would mail another coupon out with the correct dates. Three weeks later I have not received the coupon. I called Target Guest Services again only to be told that there was an error made by the printing company and the scan by date was wrong it should've matched the expiration date and there was nothing they could do about it. So, I was not given the promotional offer promised for opening the card due to their error. I asked to speak to a XXXX. I was put on hold for about 15 minutes then hung up on.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

I was about to check out an online order with home depot, when noted the promotion of saving of XXXX off XXXX if you open a new homeDepot Credit card today ( see attached screen shot ). For whatever reason I clicked apply and got approved. However I quickly found out there is no way I can charge my purchase today to the card and get the rewards. After calling customer service they suggested me to go to a local store, and so I went there. Those nice people working there tried all they can, and it won't work. So turns out in this condition : online order and item not in store will have to wait out like 10 days. Which is not what their advertising want you to believe, when I was about to check out online. For me as I need the purchase ASAP, I meaninglessly giving out my Information and wasted my time
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi problem goes to my credit card company Capital One. My card was restricted to be used and the reason was authorized users on the account that I attached couple of months ago. I called talked to higher management in capital one credit services customer service number on the back of the card.Customer service agent ( manager ) is saying for them to remove restrictions from my capital one venture card I need to send each and every authorized users driver license back and forth and social security number pictures totaling XXXX authorized users. I explained the manager working at capital one it will be better if they just remove all authorized users from my card rather then me asking for their personal information because I feel like its illegal and I dont want to do it.And she said that thats the only way to remove restriction.
Consumer complaint received 2023-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

I took out this mortgage in XX/XX/XXXX and I pay my mortgage on the XXXX  of each month, The mortgage started with XXXX XXXX XXXX company and sold/transfered to Newrez/Shellpoint mortgage servicing companies in XX/XX/XXXX. In XX/XX/XXXX I received a notice that I missed the XX/XX/XXXX payment and they said in a letter that they reeived the payment but it was returned for insufficient funds, XXXX months later, and the computer failed to send me notification that the payment was returned, impossible because the funds was in the account. per my bank statements, and i also have overdraft protection to cover any debit from my account. I have sented Newrez my XXXX XXXX  bank statement that shows the payment was posted on XXXX XXXX, XXXX but they insist that the payment is missing, then they said I missed a XX/XX/XXXX payment, I sented them XXXX bank statement that showed that payment was also paid. Then i get a notice that my paymests has increased by {$170.00} due to insurance and taxes, I am tax exempted because I a XXXX XXXX XXXXXXXX veteran perm. and total, My insurance should have {$2300.00} a year with XXXX insurance company. I have the policy from XXXX. I have received many many letters and phone calls from Newrez to the point of harrassment. I want Newrez to cease and desist from calling or writing me.From this point i will only speak with my point of contact at Newrez!
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (TX)

I lived at an apartment complex paid all rent due, placed a deposit down. Now I am being charged {$2600.00} to replace the carpet and paint the walls. I feel that is normal wear and tear and what did my deposit go to. I do not feel I owe this {$2600.00} please help
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CO)

I have called XXXX several times. My health insurance paid a bill that is on my report as collection. XXXX does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX XXXX requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and XXXX time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send to XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.