davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. 
Violation of FCRA Section 607 ( b ) : The credit reporting agency has failed to maintain reasonable procedures to ensure the accuracy of the information included in my credit report. This has resulted in the reporting of false and misleading information that continues to damage my creditworthiness.

2. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : Despite my disputes, the credit reporting agency has not properly verified the accuracy of the information in question. The continued presence of this inaccurate data on my credit report demonstrates a failure to comply with the required investigative standards under the FCRA.

Impact on Me : As a result of these violations, I have experienced increased interest rates, emotional distress, These consequences have severely affected my financial stability and well-being.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft. I filed a police report and a FTC report and submitted it to the credit reporting agencies according to the FCRA. These disputes were not filed correctly and copies of the verification process were not sent to me.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (VA)

Received offer to apply for a loan from Best Egg on XX/XX/year>. I applied, provided documents, was approved and received a summary of loan terms on the XXXX of XXXX. I agreed to the interest rate, term of the loan and the amount. I received no further documentation and the loan proceeds were deposited in my account. On the XXXX at XXXX am I called and requested TILA documents since I had not seen or signed them. Best Egg sent me unsigned TILA documents. During the phone call on the XXXX I asked about the recission period. The agent informed me that I had XXXX business days to request recission. That date would be XX/XX/XXXX. I called on the XX/XX/XXXX to rescind the loan based on the information I was given. Best Egg refused to allow me to rescind claiming that the recission period had lapsed after XXXX calendar days. When I referred to the phone call on the XXXX Best Egg lied saying they reviewed the recording of the call and that the agent had said that the recission period was XXXX calendar days. They violated TILA and they lied about the phone conversation. I want the loan rescinded based on the information I was given. As an aside when I finally got the TILA disclosures there is a paragraph that, contrary to the conflicting information I got both times, states that generally there is no recission period. That's the third version and the one I only received after the loan funded.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-08-29
Product: Credit reporting 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. (TX)

Urgent : Issues with Credit Report and Equifax Subscription Good afternoon, I have been offered XXXX credit cards, XXXX from XXXX and XXXX from XXXX XXXX. I have bank accounts with both institutions. I applied for the XXXX credit card, but a week later, I was denied because Equifax did not release my credit report to the bank without any explanation. 

A week later, I applied for the XXXX XXXX credit card, and the same issue occurred. XXXX XXXX sent me a letter advising me to contact Equifax to check my credit report. 

I contacted Equifax, and they answered in less than three minutes. They verified my identity and confirmed that they have my credit report and credit score, but I needed to sign up for their service to access it. They signed me up for My Equifax Complete, which costs {$9.00} per month. I paid the amount, and they will process my debit card every month. 

While on the phone with them, I received an email confirming the subscription. The email stated that I could log in with my email address and password. I asked the Equifax representative about the password, and he said I would receive an email with a link to create my password, but I never received the email. Since then, I have been trying to contact them by phone and email, but there has been no response. 

Even today, I called the Equifax cancellation department, and once again, there was no answer. 

Thank you.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account is NOT mine
Consumer complaint received 2024-09-05
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (AR)

This company doesnt do any form of hardship. Ive reached out and asked for someone to look into any type of assistance program that could help my situation. I havent been contacted yet. Ive been sent to collections for missing 2 payments even though I spoke with customer service and they informed me they pushed the day back for me. The fees are ridiculous I am paying about XXXX every 2 weeks but only XXXX is going to the principal and the best is a statement fee? That is evil 98 % APR is illegal. I have paid almost XXXX $ and my balance hasnt budged. This will never be paid off. Idk what to do.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IA)

US Bank Legal Order Processing XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX US Bank placed a garnishment on a savings account that only had {$850.00} in it and the garnishment was for XXXX credit card debt from XXXX XXXX  and their debit collector XXXX XXXX XXXX  I filed complaints to the CFPB # XXXX on XXXX XXXX  and complaint # XXXX XXXX XXXX XXXX. I said from the beginning for a debit collector to garnish a savings account that only had {$850.00} dollars in it for a XXXX XXXX credit card debit that was nothing but harassment by the debit collector. US Bank in their order processing that the {$850.00} was subjected to garnishment and charged a {$100.00} processing fee. The {$850.00} should have been protected from garnishment because they were from Social Security Benefits. I had fo file a Motion to Quash the garnishment through the Iowa District Court. Attached is a copy of this motion to quash that was granted XXXX in that motion is says any funds held to be returned to the defendant. Now after it was court ordered US Bank tells me they can not return the {$100.00} processing fee they withheld from my savings account XX/XX/2024..
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I saw that my daughter is being sued for the remaining balance for a car loan. The vehicle was repossessed in XX/XX/year>. My daughters name is XXXX XXXX. We were not notified that the vehicle was sold and only learned about the remaining balance when it was placed on our credit reports. 

Neither of us are working so we have no income to pay you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and can not work, and is awaiting XXXX. 

I suffer from XXXX XXXX XXXX  and have been XXXX  XXXX  since last year.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This account was charged off on the following date : XXXX. XXXX, 2018 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (MI)

XXXX you have committed a crime of fraud with your fake client from XXXX XXXX XXXX XXXX XXXX fake SSN XXXX and XXXX. 

THE CFPB MUST FINE XXXX 

PLEASE CONFIRM AS YOUR EMPLOYEE XXXX STATED XX/XX/XXXX AT XXXX SPOKE 25 MINUTES SHE CALLED ME FROM XXXX XXXX PLEASE REVIEW THE PHONE CALL BEFORE YOU LIE AND SAY THIS IS A DUPLICATE. 

SHE SAID WE SENT YOU A SATISFACTORY OF MORTGAGE XX/XX/XXXX? 


CFPB- PLEASE INVESTIGATE AS XXXX WILL ALWAYS LIE
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

XXXX XXXX fake XXXX from XXXX on an visa and the entire family using fake identifiers including the daughter name is immaculate and the wife is XXXX. Stole my property my loan with XXXX XXXX XXXX XXXX loan no. XXXX and using a fake XXXX XXXX loan from broker XXXX XXXX as XXXX that they purchased from XXXX XXXX at a bank foreclosure sale XX/XX/XXXX for XXXX a lie. Without clear title he got around XXXX loans all hit my credit file then cash XXXX trust account checks in my name 1. XX/XX/XXXX XXXX. XXXX escrow check mailed out by supervisor XXXX on XX/XX/XXXX and he cashed them into a boa account known as XXXX XXXX XXXX. Confirmed by XXXX XXXX XX/XX/XXXX that he stolen my identity and he provided me with property claim no. XXXX for XXXX. XXXX XXXX credit card XXXX XXXX confirmed that he got 4 credit cards in my name ending XXXX, XXXX, XXXX, XXXX and now capital one ending XXXX and rolling on. Faking that he is a doctor under license XXXX with fake Tin # XXXX and using my information and fake XXXX on your records must remove my identifiers from your records.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX XXXX fake XXXX from XXXX on an visa and the entire family using fake identifiers including the daughter name is immaculate and the wife is XXXX. Stole my property my loan with XXXX XXXX XXXX XXXX loan no. XXXX and using a fake XXXX XXXX loan from broker XXXX XXXX as XXXX that they purchased from XXXX XXXX at a bank foreclosure sale XX/XX/XXXX for XXXX a lie. Without clear title he got around 30 loans all hit my credit file then cash two trust account checks in my name 1. XX/XX/XXXX XXXX. XXXX escrow check mailed out by supervisor XXXX on XX/XX/XXXX and he cashed them into a XXXX  account known as XXXX XXXX XXXX. Confirmed by XXXX XXXX XX/XX/XXXX that he stolen my identity and he provided me with property claim no. XXXX for XXXX. XXXX XXXX credit card XXXX XXXX confirmed that he got 4 credit cards in my name ending XXXX, XXXX, XXXX, XXXX and now capital one ending XXXX and rolling on. Faking that he is a doctor under license XXXX with fake Tin # XXXX and using my information and fake XXXX on your records must remove my identifiers from your records.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  security freeze
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My husband and I applied for a refinance/cash out on our mortgage. Since that time ( XX/XX/year> ) we have received over 60 phone calls, not including texts, from solicitors for financing. This has not stopped, but slowed down as I block every number that does not leave a message, which none of them do. One of the text messages had our credit card debt amount in their text. Our loan manager suggested filing with National Do Not Call, which we did. He mentioned that it reduces the calls but does not eliminate them. Obviously, our information had already been sold, but it is in place now. Our manager also informed us that a " mortgage oversight entity '' ( do not recall the name ) has been trying to have this stopped. We would like to know if there is anything being done about this. It's a complete invasion of privacy to sell information, in particular, via agencies who pride themselves on security of your information. Experian was used for our credit report by our manager 's company. To note, I'm not happy with XXXX or XXXX either, but they were not involved, to our knowledge, for this instance.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (MI)

The CFPB will have no choice but to fine XXXX XXXX  involvement in fake XXXX  XXXX XXXX fake SSN numbers XXXX and XXXX all over their records including below and has never sent them a duplicate including have never provided an answer and nothing to explain how they got my personal information a failure to disclose. 

XXXX. On XX/XX/XXXX at XXXX to XXXX XXXX from XXXX XXXX XXXX XXXX minutes he said there is an Criminal offense on your records in XXXX hold on I am reading it about XXXX XXXX. 

. 
XXXX. On XX/XX/XXXX at XXXX for XXXX minutes I received a call spoke to XXXX XXXX XXXX and she said XXXX XXXX  are fully aware what they did as third and your property we sent you satisfactory of mortgage XXXX, XX/XX/XXXX and XX/XX/XXXX and I am putting that in the system and you can go get copies at any local branch. 

THE CFPB MUST FINE XXXX XXXX  FOR CRIMINAL FRAU.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

On XX/XX/year>, XXXXour payments of {$230.00} were pulled from my bank account. I had scheduled these on mohela.XXXX the week prior. Initially, they showed up on my online account, but since have been removed. I made these payments to satisfy the XXXX - XXXX payments. Pre-payments are allowed for PSLF borrowers. I only had to finish the work requirements in XXXX and then I could apply for the PSLF forgiveness as I have made a total of 120 payments. I have a repayment schedule showing that {$230.00} was the correct payment amount, so I would like these to be applied to the XXXX through XXXX due dates. My payments are completely missing from my account and I do not know what MOHELA did with them. If they do not apply the payments to my payments that were due, then I will be unable to obtain PSLF forgiveness in XXXX and I will be unable to purchase a new home in the spring as this loan will disqualify me.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per 15 USC 6802.

I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. 

See attachment for further details on the creditor and account details. 

Thank you
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :