davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

The reason for this complaint stems from my desire to purchase a house and the subsequent discovery of damages present on my credit report. According to the guidelines outlined in the 15 USC 1681, it is explicitly stated that my credit report should not reflect any unjustifiable damages, as this could be construed as an act of defamation against my character. 
It is my firm belief that these damages have adversely affected my ability to achieve my financial goals, including securing a home. I am reaching out to the CFPB to address this matter and seek a resolution that aligns with the legal standards set forth in the aforementioned statute. Thank you for your attention to this important concern.
Consumer complaint received 2023-12-22
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. (NY)

I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I LOOKED AT MY REPORT ON XX/XX/2024 AND I NOTICED SOMETHINGS ARE INCOMPLETE AND NOT ACCURATE. 
AND ACCORDING TO THE FAIR CREDIT REPORTING ACT, WHENEVER A COSUMER REPORTING AGENCY PREPARES A COSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 15USC 1681 XXXX  I SENT A LETTER ASKING THEM TO REINVESTIGATE THESE ACCOUNTS LISTED BELOW BECAUSE XXXX XXXX XXXX  : ACCOUNT NUMBER : XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, LAST REPORTED IS NOT CORRECT. THIS ACCOUNT IS NOT ACCURATE. 

XXXX XXXX XXXX  : ACCOUNT NUMBER : XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST REPORTED IS NOT CORRECT & DATE LAST ACTIVE IS NOT CORRECT. THIS ACCOUNT IS NOT ACCURATE. 

CAN YOU LOOK INTO THIS MATTER PLEASE. THANK YOU
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (DE)

On both XX/XX/XXXX and XX/XX/XXXX, I called AidAdvantage customer service line XXXX ( XXXX ) XXXX, and was unable to reach any representative. At this time, on XX/XX/XXXX, I have been on hold for 1 hour and 44 minutes. 

I am reaching out to discuss my account and payment options as the options provided are not possible for me to make.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

I am writing to seek your assistance regarding an issue I have encountered with National Credit Systems. On XX/XX/2023, I sent them a pay-to-delete letter, as I am trying to rectify an outstanding balance of {$4900.00} reported in my credit history. 

In the letter, I proposed a pay-to-delete agreement in accordance with the Fair Credit Reporting Act ( FCRA ) and the 15 USC Codes. I offered to make a payment of 10 % of the total debt, amounting to {$490.00}, as a gesture of good faith and as an effort to resolve this matter in a mutually beneficial manner. I believe a pay-to-delete agreement would be advantageous to both parties and would encourage an amicable resolution to this matter.

Under the FCRA and the 15 USC Codes, consume
rs have the right to dispute any inaccurate or incomplete information listed on their credit reports. I understand that National Credit Systems is given a response period of 15-30 days upon receipt of the letter. However, as of today, XX/XX/2023, I have not yet received any response from them regarding the proposed pay-to-delete agreement, despite their obligation to respond within the stipulated timeframe. 
I am contacting you, the Consumer Financial Protection Bureau, to assist me in this matter. I am hopeful that your intervention will prompt National Credit Systems to adhere to the FCRA and the 15 USC Codes by considering my pay-to-delete proposal and responding accordingly.

I would be grateful for any advice or assistance you can provide, and I am more than willing to supply any additional information you may need to handle this matter effectively.

Thank you in advance for your time and support.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Recently tried to purchase a home and the lender holder told me there were negative items on my credit report that I know Ive paid off. I have been unable to purchase a without a co-signer nor obtain my own place of living because of this same issue.
Consumer complaint received 2023-08-31
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: Affirm Holdings, Inc (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

I received a Collection Notice in the mail for an amount of {$3500.00} from Phoenix Financial Services LLC dba Indiana  XXXX   XXXX   XXXX . Phoenix said they were contracted by  XXXX   XXXX   XXXX   XXXX   XXXX . Phoenix assigned an Account #  XXXX . They offered in their letter to provide a discounted settlement of {$2500.00}. There is no reference to where this originated and prior to this I have never seen a bill from a Hospital or ER for any type of Services this size. Also, I have had insurance for years and again have never seen a bill for anything this size.     I am building a new home and working with my Mortgage Company,  XXXX . I had a low  credit score  from  XXXX  and when I asked  XXXX  what was being shown that I owed, they referenced  XXXX  Account numbers from  Phoenix Financial Services. Phoenix had  split the {$3500.00} and showed it as  XXXX  derogatory reports to  XXXX .  XXXX  for {$1000.00} and the other for the {$2500.00} which they keep adding interest too. They claimed they were making a deal with me to pay less but in fact they had split the amount into  XXXX  Accounts  XXXX  and  XXXX . I believe these are false charges. My insurance would have paid any claims. I saw online that this same group o f Phoenix Financial Services a nd  XXXX   XXXX   XXXX   XXXX   XXXX  have scammed other customers and ruined their credit to make them pay something they never owed in the first place.  One  customer stated " When I received the " original charge '' fro m Phoenix Financial Services, I found that Phoenix ha d obtained my information from  XXXX   XXXX   XXXX   XXXX   XXXX , including my name, credit card number and social security number. I then checked my records for the  XXXX / XXXX / 2013  emergency room visit and found that I had paid the {$65.00} at the time of service. The charge on my credit report was false! ".     This is what I believe has happened to me. I do not owe this money. I believe that  XXXX  is to blame and is in this wi th Phoenix Financial. Phoenix th en split the charge  XXXX  gave them and reported me to  XXXX  and I am not sure if they have to anyone else. They created  XXXX  Accounts and acted like they were doing me a favor by charging me less while not notifying that they have also reported the {$1000.00} they were claiming to give me off as another delinquent charge.     Should I call them? I was instructed by my Mortgage Company to contact CFPB first. This is a scam that has hurt my credit. The removal of these  XXXX  charges would move my  Credit Score fr om  XXXX  to  XXXX . That makes a huge difference in what I qualify for. Can you please help me! My name is  XXXX   XXXX . My email is  XXXX  XXXX  XXXX  and my  Mobile  number is  (   XXXX  )  XXXX .
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (CA)

I recently bought a watch on credit. I received two hard inquiries on my credit report. One from XXXX and the other one XXXX XXXX. XXXX says its a national credit card and airline while XXXX XXXX says jewelry and cameras. I called XXXX but they told me I would have to take it up with the credit bureaus and XXXX XXXX ( the company that I actually bought the watch from ) said that XXXX XXXX is incorrect and it would not come up as cameras and jewelry. Ive looked at my paperwork Ive received from XXXX XXXX at time of purchase and I believe that XXXX XXXX is in fact the company that gave me the line of credit. So I am basically just concerned about this XXXX XXXX hard inquiry. My credit score has dropped 38 points because of these two hard inquiries.
Consumer complaint received 2023-12-22
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. (NY)

I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2024-04-20
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. (AZ)

On XXXX, I notice that I was impacted by the XXXX Data Breach. After reviewing my reports I noticed unauthorized accounts and inquiries on my consumer report. I would like for these accounts to be removed. Account : XXXX XXXX XXXX Inquires : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (WI)

I opened an account with money lion and set up direct deposit..I got my first direct deposit on the XXXX of XXXX. I tried to access my money and it didn't let me..it said my account was suspended or close. I called them and they told me that they could not tell my why it was close. They told me to send them a picture of my driver 's license and a picture of mail that has my address that matches my driver 's license I ended up sending those documents four times. I called and told I sent them the documents. They said they couldn't read it. I sent it again. Then they said I needed to send a selfie of me holding my driver 's license, I did that and I sent it. Then they said they couldn't read it. I ask them why did u close or suspended my account. The girl tells me for suspicious activity..I said to her the guy told me a week ago that he could not find out that information and now u are telling me that it's for suspicious activity. I didn't even use the card yet. I keep sending them documents and I still have not released my money ( XXXX dollars ). Now they said that the account was close but they received a direct deposit from my job. When I ask her how was that possible she said that the account was opened..so I called her a lair. I just want my money.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX XXXX billed me for a car I never owned. I tried to call and t was still billed. I have no idea what this is for I have not owned a car in years.Now it is reporting on my XXXX Credit Report.
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On  XXXX   XXXX ,  XXXX , my wife and I closed on a property purchased, with a mortgage approved by  Citizens  Bank. Up to that date, there was a line item of " adjustments and other credits '' of {$2500.00} for numerous documents we received from the bank since last  XXXX . On  XXXX   XXXX , I noticed the {$2500.00} credit was removed, and I had to pay @ the closing the additional {$2500.00}. When I spoke to the representative that day who had worked with me since the application was submitted, he told me if I did n't pay the additional {$2500.00}, the loan could not be closed, and a new application would have to be submitted.     On numerous dates following  XXXX   XXXX , I submitted documentation to Citizens and they never provided a satisfactory explanation of why I would not receive the credit adjustment. I was told such things " We thought you provided the seller {$2500.00} as a down payment '', " there was no record of a deposit made of {$2500.00} prior to the closing ''.   The  Citizens  Bank mortgage representative knew there was never a deposit since we provided routinely all deposits made which were earmarked for the closing.     I faxed documents to Citizens Bank in  XXXX   XXXX , and again in  XXXX ,  XXXX  Finally, another Citizens representative, who told me to fax all documents for their review, left me a voice mail on  XXXX   XXXX ,  XXXX  in response to my fax on  XXXX   XXXX ,  XXXX  @ my office saying that she was referring my complaint to the office of the Chairman, and I 'd receive a response with in 3  business days. I never did receive such a response.     I am attaching documentation, sent previously to Citizens Bank which supports the costs and credits represented.
Consumer complaint received 2023-03-09
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: ALLY FINANCIAL INC. (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2024-04-20
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)

XXXX XXXX XXXX XXXX closed and sent my account to a collection agency for {$160.00}. Collection agency offered to satisfy the account @ a discounted rate of half of the amount which was {$82.00}. Spoke to someone from the collection agency and paid the amount. I was told the account would be satisfied. A few months later, the account was transferred to another agency for {$82.00}. Placed on my credit report ( all 3 credit bureaus reporting ) as a collection account and having a negative effect on my credit report.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WA)

XXXX XXXX, 2023 my direct deposit from my employer was submitted to my Wells Fargo checking account. My account shows {$0.00}, no transaction. I called Wells Fargo and the automated system addresses an error on their end with direct deposits not credited into accounts due to technical problems. I asked the person I spoke to to verify my direct deposit and was told that indeed my employer did release my paycheck to my Wells Fargo checking account. They would not say when their error would be resolved. I've called 4 times and have yet to get an acceptable answer. Wells Fargo is refusing me access to my money, not even allowing an overdraft as a curtousy for their error. enraged is a vast understatement! The incompetence and lack of customer service is stunning and completely inexcusable. My entire paycheck disappeared, so should wells fargo. cease to exist as a financial institution.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX , DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX XXXX,
Consumer complaint received 2023-08-31
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. (LA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, # XXXX 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 an account without my written instructions or consent.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-31
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (AZ)

Coast to coast financial solutions Contacted me XXXX mail on a debt with XXXX XXXX XXXX XXXX XXXX say i owed a debt to said company. I received a email from the same company the previous week stating I didnt owe them anything. I also spoke with the company numerous time stating I canceled my services with that company in good faith and started service with another company. I will be sending out the dispute with the company so they are aware of the conflicting claims.
Consumer complaint received 2023-12-22
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. (CA)

In my Transunion credit report I have identity theft and 4 fraudulent inquiries 1. XXXXXXXX XXXX XXXX XXXX  ( Finance ) from XX/XX/ 2. XXXX XXXX XXXX XXXX ( Auto ) from XX/XX/ 3. XXXX ( Bank ) from XXXX XXXX XXXX 4. XXXX XXXX ( Bank ) from XXXXXXXX XXXX XXXX