davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (MD)

I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company XXXX to provide me with a letter detailing how they verified this bankruptcy belong to me. By law XXXX  had 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit report.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (NC)

The Credit Agencies have not complied with my requests as well as the Fair Credit Reporting Act and continued reporting the disputed accounts and information as verified without sending me copies of proof of verification. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the Fair Credit Reporting act section 605b, the Credit bureaus are required to remove any accounts and information that resulted due to identity theft. The Credit Bureaus have failed to comply with the two Federal Regulations and is punishable by law. If the Credit Bureaus have claimed that the disputed items belong to me, they should have sent me copies of proof of verification and informed me of their findings, and yet the Credit Bureaus have not done so. I am submitting this CFPB Complaint to request to the Credit Reporting Agencies to please remove the disputed fraudulent accounts and information as soon as possible. Here is the list of accounts and information that were opened due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00}
Consumer complaint received 2023-04-14
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: Torres Credit Services, Inc. (IL)

I am seeing someone else details on my credit report when checked with " XXXX ''. I only have 2 credit cards on myself which are XXXX and XXXX  but I see there is a third credit card which is called " XXXX '' which does not belongs to me and someone is maintaining that credit card along with that there another account called " Torres Credit SRV '' which is some debt collection service and shows that I owe {$280.00} but I donot owe money to anyone or any credit cards.

I make my payment on time. Because of there 2 reasons my credit score got dropped by XXXX points when checked with XXXX but when check with XXXX or XXXX my credit score is correct which I was expecting. 

I tried reached out to XXXX support and they raised fraud request on both companies and told me to file a police report as well which directed me here.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly be aware that the details on my credit report are inaccurate. The listed addresses, employers, and inquiries are not associated with me. I urgently request the removal of this fraudulent information. As my attempts to address this with the responsible institutions have not yielded results, I am now seeking assistance from a higher authority. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (NC)

I am appalled by the ability of the Credit Reporting Agencies to ignore a consumer 's rightful request for the removal of the fraudulent accounts and information from my Credit File! I hav read that under the fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus have not complied with the Federal statute and ignored my written requests sent last XX/XX/XXXX. Also the Credit Bureaus have failed to respond to my letters and have claimed that the disputed items belong under my name without sending me copies of proof of verification. Once again, I am requesting that the Credit Bureaus remove the following fraudulent accounts completely from my Credit report. 
XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-12-24
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. (TN)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights XXXX 

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 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I have been in the PSLF program for over 10 years. I got into public service knowing that after 10 years my loans would be forgiven. This was the only possible way that I could have afforded to work in public service and pay for my loans given how little XXXX make. 

My issue is with Mohela. There are many qualifying payments that have not been applied towards forgiveness and the qualifying payments listed on the Mohela website are not accurate. I resubmitted the employment verification document for two employers that were not listed for some reason and they are still not listed on the website towards qualifying payments. However, the agent said the payment counts are up to date. Clearly they can't be up to date if 2 employers are not even listed. I have called, emailed and messaged through the portal over 30 times since XXXX. Each time they say they will request it gets updated. Nothing has happened. I have also filed an appeal through studentaid.gov to see if that will help expedite the process and have gotten zero response. When I was able to get a person on the phone they said it looks like I should be at full forgiveness. Unfortunately, nothing came from their request so I called back and that person stated that some of my payments didn't count because I was in deferment or forbearance. The only times I agreed to forbearance or deferment is when the loan servicer said they would still count towards PSLF which apparently they were not. 

Mohela is also taking 100 % of my payment and applying it towards interest only. When I asked the associate why she said " don't worry about it because you should be at forgiveness once everything processes. '' Additionally, they advertised that I would get a percentage discount on my loan payment if I signed up for automatic payments which I did. This discount has not been applied and I am working on my XXXX payment to them with no discount as advertised. 

I can't reach anyone via phone and no one responds any longer through the portal. 

I feel like I have hit my agreed upon 10 years of service in public service and deserve to have my loans forgiven. I am not asking to randomly be forgiven for something I agreed to pay on. This was a part of the deal and why I was able to become an XXXX. This is greatly impacting my ability to plan a future for my children. I am unable to make a decision on purchasing a home because I have no clue when/if my loans are actually going to be forgiven. 

Please help!
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have more items left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report XXXX XXXX XXXX XXXX Please see the items to be REMOVED below that resulted from an alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
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. (NY)

Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. If you continue to decline my position I will contact my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the 5 days required. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in XX/XX/XXXX, there was a government shutdown which affected my business tremendously. I am a XXXX XXXX XXXX and I do a lot of XXXX and XXXX XXXX XXXX XXXX. Because of the shutdown, HUD and all of the government agencies were all closed which caused all of my loans not to fund. I work on 100 % commissions, so this halted ALL of my income that I make. I spoke to someone at XXXX and they told me that since my business was affected by the government shutdown, they would extend my payment for 60 days and that I would not be reported late on my credit report, I was assured of this. 

Once the government opened up towards the end of XXXX, my loans were able to move forward toward closing and once they did, I paid the TOTAL balance off. 

Well, a few months later after checking my credit, I saw that I had a 30 day late on my credit, and they did not follow through with they told me. They actually said I was 60 days late which was not true, and ALL of the bureaus were reporting a 30 day late except XXXX was reporting a 60 day. I looked even on my XXXX online account and XXXX was showing online a 30 day late on my report NOT a 60 as XXXX was the only one showing. 

I spoke to a few people even a supervisor complaining about this and they said they can not legally take it off because it was not XXXX fault which I completely disagree with. 

I have never, never been late on XXXX except for when the government shut down, and I have paid them at least XXXX to XXXX a year in payments since I had the card, so this is very unacceptable. 

I am currently trying to buy a house for my wife and my XXXX  to have a nice place to stay, and my current lender will not do the loan with the late on my credit. 

I am a veteran and trying to do a VA loan, so I really need XXXX to follow through with what they said they would do. I need the late payment from XX/XX/XXXX to be taken off of my account due to a representative telling me incorrect information. 


Since I have always paid my XXXX on time and I spend much more than the average person with my XXXX XXXX, I think that they should take off the late payment, and I can set up autopay so that I never have this issue again. Having great credit is very very important to me, and I have worked very hard to get my credit in the 700s Whenever you call XXXX you are always connected so someone in XXXX, so maybe there was a language barrier and the representative gave me the incorrect information, but I am 100 % they told me they would put my payment off for 30 days. XXXX reports every 60 days, so I would have never had a late payment. 

Please help me get this off of my credit so that I can be able to finally get my wife and XXXX the new home that I have always dreamed of. This will be my first home I have ever owned. 

Thanks so much XXXX XXXX
Consumer complaint received 2023-11-10
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. (CA)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have more items left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX & XXXX. Please see the items to be REMOVED below that resulted from an alleged identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX  CREDIT CARD. 
APPEARS TO BE RE-AGED. 
NEED PROOF OF INVESTIGATION IN TO INCORRECT DATE OF FIRST DELINQUENCY AS 7 YRS IS NOW PASSED. AND SHOULD BE REMOVED FROM CREDIT REPORTING. 
SEE ATTACHED.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (GA)

I am deeply frustrated and appalled by the lackluster response from Money Network regarding unauthorized charges on my account, which I firmly believe to be a result of identity theft. I approached them in good faith, expecting a comprehensive investigation into my dispute, yet they summarily denied my claim without apparent due diligence. This dismissive approach not only challenges my trust in Money Network as a financial institution but also raises serious concerns about their commitment to safeguarding consumers against identity theft and fraud. I turned to the CFPB with the hope of finding justice and redress, and I implore you to intervene and ensure that Money Network is held accountable for its negligence and irresponsibility. 

The following are charges I do not recognize and were unathorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a VICTIM of identity theft and every single charge mentioned was unauthorized, fraudulent, and carried out by someone impersonating me without my knowledge or consent.
Consumer complaint received 2022-09-21
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 a account without my written consent.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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. (NY)

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 XXXX XXXX XXXX. 

XXXX BANK : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX OF XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 USC 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 2023-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (SC)

Td bank closed my account with giving me any acknowledgment. I was told if I paid XXXX I would be able to open up an account. Well I paid that XX/XX/XXXX well today is the XXXX and just now finding out my account is closed. Went to the branch was told I need to go to the original bank. Well called the original bank but they cant give me any information they would need to reach out to XXXX.