davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AK)

on XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. 


the following accounts are not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
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. (NJ)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (FL)

It has come to my attention that, although I have written several letters, asking for validation of that, audit trail, I am not getting any responses because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report, as it is in violation of the federal Constitutional laws.

15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1692 15 USC 1601 I am rich, I am afraid the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality and respect for the consumers privacy. I did not give consent to these accounts be published they did not have my permissible purpose.

I have remained, how old is by the dress abuse in harms that the three credit reporting agencies have done to me.
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CO)

I have sent numerous debt validation letters to which none have be answered. I am now on day 33 of waiting for the most recent debt validation letter from National Credit Systems. My letter was delivered to National Credit Systems XXXX XXXX and signed for by XXXX XXXX. Ive also asked that they contact me only via US mail and no phone calls but they continue to call me daily.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my first 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX. XXXX Account # XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute several hard inquiries listed on my credit report, which I believe to be both invalid and unauthorized. These inquiries are negatively affecting my XXXX XXXX and were made without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC. (NY)

I had a lease with Santander consumer USA and the car came with a factory defect which the car had to be return and was lease with another company but Santander keeps charging me and bring me credit score down my solution is to remove this from my credit since the car is not in my ownership any more
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NM)

Today, XX/XX/XXXX, I received a letter from Wakefield and Associates, a debt collector located at XXXX XXXX XXXX, XXXX, TN XXXX. They are claiming to be collecting a debt associated with a company named : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX I found the address of XXXX XXXX XXXX, XXXX through an online search. 

I have never heard of XXXX XXXX XXXX, XXXX, have not ever done business with XXXX XXXX XXXX, XXXX and have not been in XXXX XXXX, CO. 

The " billing statement '' with a Reference # of XXXX, has the following line items : As of XX/XX/XXXX, you owed : {$1400.00} You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward debt : {$1300.00} Total amount of the debit now : {$100.00} I have not paid anything to this company ever and the credit/payment totaling {$1300.00} is interesting. 

Through my XXXX membership, I have reported this to the Federal Trade Commission. I have also reported this to the XXXX XXXX XXXX. 

Is there anything that you and your department can do to eliminate this fraudulent bill/debt? 

Thank you very much.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Account was open as a result of fraud. 
under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported bv any evidence.15 USC 1692 ( g )
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-08-12
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. (IL)

I am asking for your help with the false information listed on my credit report. This situation has seriously damaged my reputation, and I need your intervention. The way my credit report was managed has brought me to a challenging place, and my reputation has been hurt because of your reporting errors. You need to correct these mistakes so I can move forward with my family.
Consumer complaint received 2024-08-12
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. (FL)

I am a victim of the XXXX XXXX breach and have some accounts listed below that I want to be removed from my credit report immediately for fraudulent accounts Attached in this report is the proper identity theft reports with the accounts listed below for removal from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed. 

1. XXXX 2. XXXX Reached out to Transunion several times and was unable to get a hold of agents. When i was able to get ahold of agents I was rudely hung up on after voicing my concerns and demanding method of verification. 
Transunion then later completed " investigation '' and items came back " verified '' without any proper documentation proving these accounts belong to me.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (FL)

I hired XXXX XXXX  to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over 5 years old. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
Calvary Portfolio services XXXX XXXX XXXX XXXX multiple accounts XXXX multiple accounts
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

MOHELA continues to Bill for a PRIOR PSFL that has ( by their records ) surpassed the 120 PSFL / IDR qualified payments ( 147 total payments ) that are under account number ************ and place the same account under a fraudulent SAVE ************ I AM REQUESTING immediate forbearance, discharge of Account number ******************AND REFUND OF THE OVERPAYMENT IN THE AMOUNT OF 27 MONTHS. 


MOHELA continues to disregard PSLF for My name account number ( see attached ) and has created a new account for repayment with 125 months, 120 at XXXX per month ( under a different account number ) for the same loan of which there have been over 147 QUALIFYING PSLF MADE SINCE 2011. This action goes beyond negligence, bordering Fraud. Civil action is requested. 

MOHELA has been sent 5 certified requests, 7 fax request and 7 phone calls with no response.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I hope this letter finds you well. I am reaching out to request your assistance in updating several accounts on my credit report. I have observed that some information related to these accounts is outdated or incorrect, and I would like to ensure that my report accurately reflects my current financial situation.
Consumer complaint received 2023-04-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BMO Bank, N.A. (IN)

I have been a customer of BMO Bank for decades. Several months I inquired about a personal loan to consolidate my debts. I was told by the banker that I needed to raise my credit score to XXXX. She told me my payment history was very good, but I filed bankruptcy in 2016 so I needed to show improvement. I did what she said and got my score to XXXX. I inquired again and was told by a different loan officer that I needed a credit score of XXXX and that BMO primarily pulls from XXXX. I continued to persevere, and got my credit score to XXXX. This past week I reached out to my local Branch and inquired again. I left a message on Tuesday, no reply. I called on Wednesday and spoke briefly with the banker and she said she would call me back. Didn't happen. Today, Friday XX/XX/XXXX. I finally was able to speak with her. I specifically said I did NOT want my credit report pulled if the bankruptcy would effect the decision. She told me since the bankruptcy was 7 years ago, not to worry because they just go back 3 years. I told her to go ahead and pull it. I was denied. She said the underwriter denied my application because of : 1.bankruptcy 2. I had 2 late payments 5 YEARS ago. 
3. I used more than 20 % of my available credit!!!!

Let me say, I was livid! How many people have they given loans with late payments in the last 3 years? During the pandemic and the high rise in inflation, I still managed to make on time payments, pay more than the minimum, and raise my credit score. How many people can say that? I also OWN my home. So to go back 5 years and use 2 late payments against me is morally and ethically wrong. I don't know anyone of average means that does not have credit card debt. I feel discriminated against! I did what BMO told me to do. I jumped through their hoops and they kept changing the rules. Today, after telling me I was denied, the banker said when I got my credit score to XXXX and my usage below 20 % to come back. Is this the criteria for everyone applying for a personal loan? I was not seeking to go further into debt. I was seeking help to get out of debt faster. 

This is BMO 's Mission Statement : Banking is our personal commitment to helping people at every stage of their financial lives. 

Where is there commitment to me, a loyal customer for decades? Shameful they can keep changing the rules. Now my credit will take a hit because of the hard inquiry. They hurt my credit and did not help me as I was led to believe.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Ive been reaching out to XXXX regarding their incorrect reporting to my consumers report. They have yet to cease reporting this inaccurate information. I have no filed a FTC report against the company being that they are committing identity theft. I have not provided XXXX with my consent to Furnish anything on my credit report. I am also in the process of suing for XXXX each violation. I would demand this account be removed from my credit report within 4 days of receiving this complaint
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I have been paying my loans on time and always selecting the auto allocate function so all of my loans are paid in full each month based on what amount is due. Mohela is allocating my payments to whatever loan they want to and paying some ahead and some not at all each month to where some have fallen into past due status. I now have some loans that are " paid ahead '' and some past due because they are picking and choosing how to allocate my monthly payments. This is an unfair practice. My payments each month that I pay should go to the amounts due not paying some ahead and some not at all. Now for XX/XX/year> I had to make a payment in excess of my regular monthly payment just to get the " past due '' loans caught up to date. All while I have 3 loans that are paid ahead because they are not allocating my payments correctly and they would not fix my XXXX payment to correct the allocation. I had to pay and extra {$30.00} to get my payment up to date or it would have been late. They said I would put my loan in forebearance while they investigate but then that would put my PSLF application off for those forbearacne months. I was basically forced to pay more than my monthly payment for XXXX. I called tofay to ask about why this is happening and they told me " even when you choose auto-allocate '' they dont always allocate correctly '' and when I asked about why the statements I get and the online info dont match I was told " the online information might not be right ''