davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello im not sure if I would classify this as a complaint this is more of a plea of help. Ive had my account with capital one acct # XXXX and I love the companyni recently added my XXXX  on as an authorize user. However, the tradeline is no longer reporting to his credit report. Im asking for assistance with this matter.
Consumer complaint received 2023-09-14
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2023-09-14
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: Experian Information Solutions Inc. (NY)

Once again, I find myself dealing with an issue concerning the XXXX Credit Bureau. I've noticed that this credit bureau had not made some necessary updates to my credit report. As a result, I'm kindly reaching out to the Consumer Financial Protection Bureau ( CFPB ) for their assistance in promptly resolving this matter by completely removing the fraudulent inquiries. And while the Experian have removed some fraudulent inquiries, two inquiries were still present in my credit report. Below, you'll find a list of the outstanding inquiries that need to be taken off : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (LA)

I submitted my Public Service Loan Forgiveness application to MOHELA on XX/XX/XXXX. I waited patiently for the company to acknowledge receipt of my application, verify my ECFs, and transfer my loan from XXXX XXXX to MOHELA. I have never received communication from MOHELA directly notifying me of the status of my loan. MOHELA verified and accepted all of my ECFs on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX notified me by email that the XXXX XXXX XXXX had approved transfer of my loan to XXXX, since XXXX XXXX was ceasing operations. I immediately called MOHELA and XXXX XXXX to check if I needed to do anything. Both groups let me know that I was still in the XXXX day period for MOHELA to transfer my loans to them and that all I should do is wait patiently. My loans transferred from XXXX XXXX to XXXX on XX/XX/XXXX. 

Once I was in the XXXX day period from my ECFs being accepted, I began to reach out to MOHELA. Representatives from MOHELA told me that they had sent a request to the XXXX XXXX XXXX to have my loans moved to MOHELA. On XX/XX/XXXX, I reached out to the XXXX XXXX XXXX to try to get more information. The Department of Education told me they had no information on my loans- other than that they were currently held by XXXX. They had no information/documentation of a transfer request. The XXXX XXXX XXXX told me to reach out to XXXX. I followed up with XXXX who told me they had no record of a request to move my loan from XXXX to MOHELA. On XX/XX/XXXX, I was advised to file a complaint on studentaid.gov and to reach out to MOHELA. I filed my complaint on XX/XX/XXXX. When I followed up with MOHELA I was told that they would put in a manual transfer request to move my loan from XXXX to MOHELA. 

On XX/XX/XXXX, XXXX followed up on my studentaid.gov complaint and informed me again that there was no documentation of a request for my loan to transfer from XXXX to MOHELA. I immediately called MOHELA on XX/XX/XXXX to insist on documentation of my transfer request. I was then informed that it will take an additional XXXX days once the request actually clears to get my information into MOHELA 's system. 

I am far beyond any reasonable timeline for processing my student loans and have no recourse or support to get things processed.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$24.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX  ( Original Creditor : Original Creditor ) XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

XXXX  XXXX credit card serviced by XXXX XXXX reported late pays on my credit report after several attempts to reconcile and pay off my credit card balance. 
When the card was first opened I contacted them to set-up auto-payment. They scheduled a recurring payment of {$100.00} every month until balance was paid in full. 
The very last payment of {$100.00} was not taken because my balance at the time was only of {$14.00}. I called and manually paid the last amount owed of {$14.00}. I then hit with a late fee that was never disclosed to me at the time. I was penalized and paid a total of {$57.00} on XX/XX/18 in fees after my balance was completely paid off. I spoke with customer care collections supervisor, XXXX XXXX.
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There was fraud reported on my Transunion credit report. I have no knowledge of the accounts nor did I consent to have them. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. This needs to be removed from my credit report. This is considered fraud.
Consumer complaint received 2023-09-14
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} ; XXXX XXXX  XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$24.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-09-14
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: SYNCHRONY FINANCIAL (MN)

These accounts and inquiries are not mine they was made without my permission, consent inquiries Synchrony Bank Amazon Inquiry : XX/XX/2023 or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2023-06-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (NY)

I opened a Certificate of Deposit with Marcus by Goldman Sachs for a 10-month term. The promotional rate when I opened the CD was 5.05 %. About seven days later, the rate dropped on the account to 4.75 %. When I called to ask, the representative stated she was told to read a script, stating something along the lines of Marcus provides the best rate over a 10-day period and the rate is affected by the Federal Reserve . 

The Fed did not adjust interest rates over this period. Additionally, Marcus did not adequately disclose to me the possibility that the rate would drop, and certainly not by more than a quarter of a percentage. This action went against my expectations as a consumer, the representative from Marcus could not remediate the issue.
Consumer complaint received 2023-12-10
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: Resurgent Capital Services L.P. (PA)

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus ae not doing their job. 

According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. 

I have all the evidence attached below
Consumer complaint received 2020-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/2020, I sent {$500.00} through XXXX from my citizens bank account to my sons XXXX  XXXX XXXX account, the funds left my citizens bank account but were never credited to my sons XXXX account. I contacted both banks on a conference call and was advised the payments failed, and would be returned to the citizens bank account within 14 business days. Today is XX/XX/2020 and the funds are still in limbo. I have called the supervisor working on the case for me from citizens bank he stated citizens bank has not responded to multiple requests regarding the funds which are no where to be found. Today I also spoke with a XXXX supervisor named XXXX ( Personnel number XXXX ) he stated that he could not give me an update on the case and that the back office will respond to citizens bank whenever they can, I advised the rep that it has been over a month since the issue, he stated the bank could not provide me with a credit. I CAN ONLY BE REACHED AT XXXX.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (AZ)

I am a victim of ID theft starting around XXXX  and I found out earlier this year. There are several accounts listed a XXXX  including an XXXX XXXX XXXX, XXXX XXXX XXXX, as well as a XXXX XXXX XXXX card that I did not open. I have a police report stating so and that is all I am required to provide them by law.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$0.00} ; CHILDSUPPORT XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00}.
Consumer complaint received 2023-09-14
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. (FL)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$0.00} ; CHILDSUPPORT XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$830.00}.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit company is reporting that I owe a debt of {$800.00} for a previous XXXX account for equipment that was never credited to the accounts. 

I have reached out to the company several times by phone and letter to settle the account, but has been unsuccessful in getting the issue resolved. Personnel repeatedly states that they will return my call, but never do. Communication has been ongoing for several months beginning in XXXX. I am unable to get in touch with anyone at the company to get this removed or settled. 

This is the information that I have on them : Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : swcgroup.com CEO : XXXX XXXX I would like to get this issue resolved as soon as possible.
Consumer complaint received 2022-12-08
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. (NC)

please my wife report informations is not showing on my credit pulls and we need to verify the social security number and name to make sure that EXPERIAN have my wife s personal information correct. 
please i have been calling since 3 weeks the EXPERIAN customer service to help me resolve this problem but impossible to talk to a specialist. i actually need your help. please help me very important for my mortgage.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX Balance XXXX {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-14
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX