davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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. (OH)

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -15 U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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. the accounts i am talking about are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also attached my identity report from the ftc to this complaint
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (MN)

I have received only a couple of calls from Credence Resource Management claiming I owe money. {$78.00}. I have asked them to send me the actual bill or have the original company call me. No one can seem to prove to me beyond a reasonable doubt that I owe this money.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (IN)

Jp morgan card services put an incorrect inquiry on my credit report. I called and explained to them that I hadnt recent applied for a credit card and to not let anymore credit inquiried happen without 3 stage verification. They allowed another inquiry to take place the following day. When I called back to complain to them they stated they cant stop a fraudster from applying for new cards and I explained to them the technology is available for 2 step verification and this shouldnt be going back on my credit report again and again.. i had already placed a fraud alert on my 3 credit reports prior to the seconf inquiry and they were just allowing this to happen.
Consumer complaint received 2023-10-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Auto finance charged off a car in XXXX of 2019. According to the Fair Credit Reporting Act, when a creditor has written the account off as a loss the account is closed to future charges. Since I have recently disputed this account it now appears that I have 2 charged off reposessions. I would like this removed XXXX
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am not liable for the debt with XXXX. I do not have a contract with XXXX XXXX XXXX. I requested copy of contract never received it. This account have been removed from my consumer report 2 times and keep coming back after you all advised them to delete account off my consumer report.
Consumer complaint received 2023-09-28
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)

The Family Educational Rights and Privacy Act ( FERPA is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary secondary or post-secondary school.

20 USC 1232g ( b )
Consumer complaint received 2023-06-24
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-11
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. (MO)

The Loans XXXX, formerly known as XXXX XXXX XXXX XXXX CFPB sued them Case 3:17-cv-00101-RDM Filed XX/XX/XXXX, for the deceit practices. There are 3 loans associated with my credit file f these actions taken these loans were not afforded the relief provided. As a servicer of student loans, XXXX XXXX routinely furnishes information about its student loan accounts to consumer reporting agencies. 
They have begun to re-age these loans showing in inaccuracies of XX/XX/XXXX day delinquencies and irreparable harm to my credit file and score. These loans were open dates per credit report of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a of last payment XX/XX/XXXX with a worth pay status unknown but has charge/off and last reported to CRA XX/XX/XXXX XXXX 
The Fair Debt Collection Practices Act prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. 190. As described above, on information and belief, XXXX made false, deceptive, and misleading representations to borrowers that all of their collection fees related to the federal loan rehabilitation program would be forgiven by the U.S. Department of Education or that the exact amount of collection fees currently assessed to the account would be forgiven. XXXX. Therefore, XXXX, acting together with or on behalf of XXXX XXXX, violated the Fair Debt Collection Practices Act. 15 U.S.C. 1692e, 1692e ( 10 ).
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (FL)

I HAVE FILED DISPUTE IN THE REGARDS THE TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 TO 45 DAYS AND HAVEN'T RECIEVED ANY INVESTIGATIONS RESULTS. { ACOOUNT NAME XXXX }
Consumer complaint received 2021-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

To Whom It May Concern, This complaint is regarding my XXXX, XXXX and XXXX  credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is KOHL'S/Capital One, XXXX XXXX. This account is an account that I'm totally unaware of.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB COMPLAINT : XXXX This is to formally notify you that 30 days after you receive my initial complaint on XX/XX/2023, you are required to respond, not 60 days. According to the Fair Credit Reporting Act, you must respond within 30 days of receiving my dispute letter ; otherwise you will be in violation of the law and may be investigated by the Federal Trade Commission. I understand you may have overlooked this among other disputes. However, I trust you will respond promptly to resolve this issue. This is the initial complaint filed with CFPB COMPLAINT : XXXX
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Dave Operating, LLC (PA)

I am a current banking customer of Dave. On XX/XX/2022, I requested and received a cash advance for {$75.00}. The advance was due on XX/XX/2022 in the amount of {$79.00}. That amount was posted as withdrawn from my bank on XX/XX/2022, however as of XX/XX/2022, Dave continues to report that balance as " pending settement. '' I contacted customer service via chat on XX/XX/2022 and they were unable to provide any information regarding the delay in confirming receipt of payment. There is no reason why Dave continues to report that balance as outstanding. Banks are not that slow in forwarding funds nowadays. Attached is a screenshot of that withdrawal to Dave.
Consumer complaint received 2021-02-07
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. (NM)

I contacted Experian several weeks ago via their number XXXX. There are 9 new hard inquiries on my account, none of which I gave consent for. I am trying to improve my credit before applying for a mortgage this summer so I know I haven't authorized a single credit inquiry. I put a fraud freeze on my three accounts but after contacting each of the hard inquiry companies ( XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ; XX/XX/XXXX : XXXX ; XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX and contacting Experian again and putting a freeze on my account they haven't frozen my account OR removed the hard inquiries.
Consumer complaint received 2023-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted XXXX to remove these hard inquires from my credit file and XXXX refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to XXXX as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation (CA)

XX/XX/2021 I called one main financial and spoke to XXXX in the fraud department because a credit card came to my home that I did not order. That week I was getting multiple letters from creditors saying they were unable to verify I was applying for loans therefore I knew I had been the victim of identity theft and they closed the account and the very next day they opened a line of credit in my name for XXXX. It was done online and e-signed and they did not verify my identity. They sent the check to a Post Office box and they did not verify my phone number. There was a different address and 2 different phone numbers provided that did not belong to me. They are now suing me for {$12000.00} because I did not pay the loan. I have been trying to work with them for 2 years. I have filed 3 identity theft reports and I also filed an incident report with the police department. They did not want to do a police report because they do not know who the perpetrator is. I did everything they asked me to and this is now going to trial. They also reported me as being in default to all 3 credit bureaus the credit Bureau removed the incorrect information including the address and phone number but my report is still affected due to the default.
Consumer complaint received 2023-08-17
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. (DC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-14
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)

CFPB COMPLAINT : XXXX This is to formally notify you that 30 days after you receive my initial complaint on XX/XX/2023, you are required to respond, not 60 days. 

According to the Fair Credit Reporting Act, you must respond within 30 days of receiving my dispute letter ; otherwise you will be in violation of the law and may be investigated by the Federal Trade Commission.

I understand you may have overlooked this among other disputes. However, I trust you will respond promptly to resolve this issue. 

This is the initial complaint filed with CFPB COMPLAINT : XXXX
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NJ)

I ordered a XXXX on line from SAKS, XX/XX/year> I paid with XXXX XXXX. They billed me XXXX XXXX was too big, It was received on XX/XX/XXXX. I did not have to try on as it was evident. I received a return label the next day and I placed it back in the same box, all original tags still on, ( none were removed ). On XX/XX/XXXX I received email confriming the package was on its way back to Saks I returned in same condition, in same box. I received the XXXX back several weeks later, in an unmarked box, the XXXX was inside out, and wrinkled but with all the tags still in place. However, it had no marks or wear or damage. The note said that the item showed signs of wear or dirt. I immediately called SAKS customer service who told me that they could not tell me what the dirt or wear was as they don't have that information since it was simply a message from the " distributor ''. However, SAKS was where I bought, who I paid, and where the XXXX  came from. I asked them to look into it and send me pictures or information that they claim about the XXXX being worn or dirty. they emailed me back simply saying that they can not refund me. I called again and emailed with pictures of the XXXX showing no signs of such. They have now failed to respond to me I believed this is a scam They simply say its worn/dirty, when it's not and I have no proof and they wont even tell me who this " distributor " is that denied the return. I put a claim into pay pal but they did not resolve either The email for saks is XXXX the case number is XXXX and the order is XXXX
Consumer complaint received 2023-05-09
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 — Problem with personal statement of dispute
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears on my credit report
Consumer complaint received 2023-10-14
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (NC)

My email and phone number has been compromised Truist on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all with unauthorized transactions Email, phone number, Social Security numbers, logins and passwords. Have all been compromised. 
Please HelpMe
Consumer complaint received 2024-07-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc. (NC)

I received a packet while in loss mitigation for a partial claim. I called the mortgage lender because I've sent multiple emails and letters with the quit claim deed and divorce decree, they still sent the packet with the co-borrower 's name on it when he hasn't resided at the home in over a year. I was told by a BSI representative on XX/XX/year>, to not sign the documents and send the partial claim packet back to the loss mitigation department for correction and include the quit claim deed and divorce decree again, because the co-borrower is no longer residing there. I was seeking a 25 % payment reduction not another XXXX partial claim. I would like someone to contact me directly. I call daily, send emails and leave voicemails, to no avail. I am trying to keep my home with my children, I am willing to agree to any assistance that they offer, can you please assist?
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: William D. Meeker Enterprises, Inc. (DE)

On XX/XX/2024, CIC credit provided my XXXX score to XXXX Delaware XXXX. The CIC XXXX report does not match my official XXXX Credit Report. The XXXX score that was provided to XXXX Delaware XXXX by CIC is XXXX. This is inaccurate. My Experian XXXX XXXX is XXXX. Further, CIC credit included a XXXX XXXX Credit Card account ( XXXX  ) in error. This account was paid and full and closed almost 9 years ago and is therefore outside of the credit reporting time frame. Furthermore, the XXXX XXXX Credit Card ( XXXX ) account is not on my official XXXX Credit Report but is on the CIC report.
Consumer complaint received 2023-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$13000.00} Has Violated my rights. 15 U.S.C,1681 section 602 A States I have the right to privacy. 15 U.S.C,1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. Discrepancy with the ( amount being reported ), ( dates being reported ), ( Item Numbers being reported ), and ( Item descriptions being reported ).
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (OH)

I have submitted the required documents to Wells Fargo on three occasions and they have yet to correct the matter. As I have no account with you or any contractual agreement, I demand the following information : 1 ) Provide evidence of your authorization under 15 USC 1692 ( E ), 15 USC 1692 ( F ), and USC 1692 ( G ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Provide evidence of your authorization to do business or operate in the state.

5 ) Provide proof of the alleged debt, specifically the alleged contract or other instrument bearing my wet signature. 

You have 10 days to respond to this notice. Failure to do so will be deemed as a waiver of any claims in this matter and will be considered to have permanently closed this issue. 

Your continued silence is unacceptable. Provide proof or correct the record to remove the invalid debt from my credit files. Failure to respond within 10 days will prompt a small claims action against your company, seeking {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violation of the Fair Credit Reporting Act. 

The FTC, XXXX, AG, and CFPB will be notified regarding this alleged debt. Cease all indirect communication of this debt immediately. 

Thank you for your attention to this matter. All stated facts are true to the best of my knowledge and made in good faith.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted disputes to XXXX on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. XXXX is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in full/ and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.