davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX
Consumer complaint received 2020-02-07
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)

Hello I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed being that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 6115 a of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

I previously disputed an alleged collection account from Afni Inc. And it was deleted from my credit report on XX/XX/XXXX. I recently checked my XXXX  and XXXX  credit reports on XX/XX/XXXX of XXXX and noticed both these accounts had been reinserted onto my XXXX  and XXXX  credit report. I then called afni and told them this and they stated the account was valid. I never received a dunning letter 5 days before this alleged debt was reinserted back onto my credit reports. This is a violation of the section 611 ( 2 ) ( a ) of the Fair Credit Reporting Act. I am requesting that this account be permanently deleted in accordance with federal law of the Fair Credit Reporting Act Section 6 ( 2 ) ( a ).
Consumer complaint received 2021-06-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021 I sent a letter regarding a duplicate late payment on my credit report and I have yet to get this resolved. Their are duplicate student loan accounts reporting to my credit report for Transunion, XXXX, and XXXX  in which they are affecting me negatively duplicate times. I have tried to resolve this matter with the companies and they have yet to remove the late payment from my report or even respond for that matter.
Consumer complaint received 2023-02-20
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)

In XXXX, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I logged into my account today ( XX/XX/2021 ) and noticed Chase had closed my credit card account. I called customer service and was told I would receive a letter, but they did not have any information available as to why the account was closed. I always paid off the card, Im wondering if they closed it because they were paying out too much in rewards. They should have called if they were closing the account, it would have been very embarrassing to try to use the card and have it declined.
Consumer complaint received 2021-06-17
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. (IL)

I am very stressed and lost any hope that I can get rid of fake inquires and fraud account. Someone used my personal information and just on purpose damaged my credit score. I can not obtain any credits for my business because I have items that are not mine. Its killing me a lot and influencing my life. I am very sad nowadays, so I just want you to help me a bit and to apply investigation, after this you can remove these fake items. I need it o much like air.
Consumer complaint received 2021-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SC)

I applied for XXXX loan forgiveness on XX/XX/XXXX. Due to XXXX, XXXX was my 120 payment. I actually submitted paperwork on XXXX. It was confusing because there used to be 2 separate forms -- -one for employment certification and one for application for forgiveness. When I submitted the form on XXXX, I had 6 payments that still needed to be certified. On XX/XX/XXXX, I received a letter stating that my application for forgiveness was denied because at the time it was submitted I had not made 120 qualifying payments. It stated that I had now made 120 qualifying payments and needed to resubmit my application. Nowhere in this letter did it state that I needed to submit it AFTER my payment due date. 

I resubmitted it on XX/XX/XXXX. It took until XXXX to receive a response about this application. Again it was denied because I submitted it before my payment due date of XX/XX/XXXX. 

It is frustrating that it took 5 months to get that response. I have since sent a 3rd application. I am trying to buy a house. I need to student loan debt removed from my credit report to help my debt to income ratio. The loan servicer is playing games to delay the loan forgiveness. 

It is frustrating that I have played by the rules. I graduated from college in XXXX. Most of these loans would've been forgiven anyway 3 years ago except that the government is up to shenanigans. How much longer do I have to wait?
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

Select Portfolio Servicing is reporting erroneous lates on my credit file. I have a mortgage through them that is being paid by my ex-wife under the divorce decree. At some point in time the loan did go delinquent but i was not aware. As the loan is under my name i would expect Select Portfolio Services to give me a call when the account does go delinquent or any other issues occur. I was never contacted about the delinquency and was unaware of the delinquencies until i recently checked my credit file and noticed the lates. I am very disappointed by the fact that Select Portfolio didnt contact me about the lates as this is on MY credit file and they affect MY credit score. I never received a call, letter or notice from ether my ex-wife or Select Portfolio Services. I need these lates removed. These are not my lates.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Hello. This was CFPB Complaint XXXX for Experian and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Experian at XXXX today, XXXX, I found out that I can NOT mail ANY information to Experian because they have provided me with NOT a thing other than a P. O. Box which is 100 % UNacceptable. In other words, know I require a Mailing Address for XXXX and have yet to be given one.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit management They been calling me 4 times a day starting at 8 a.m. through out the day 4 times. They are collections from cable company. That failed to I form Mr that bill was increased and just sent a bill for {$250.00}. When I was paying for an entire year {$110.00}. I contacted them tried negotiating it. Lady was not helpful. I changed immediately cable company. Ask for reduction since I was unemployed and sick. No answer.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On the XX/XX/XXXX I happen to check my account to find out it was over drafted. No notice was mailed to me. emailed to me or even a phone call. I have there mobile app seen no notice of it. So I spoke with someone at Citizen online banking and they credited XXXX and XXXX and told me I had to pay other overdraft of XXXX . I had my girlfriend who is also a citizen bank account holder to transfer me XXXX $ to correct the XXXX $ charge and pay the XXXX $ fee remaining for overdraft. We used XXXX which I called and was told my account and my girlfriends accounts are both verified and transaction should have occurred in minutes. Citizen bank made it take a day. Boom another XXXX $ charge. I went to my local branch the lady at counter was nice I explained my situation this was about XXXX on XX/XX/XXXX she credited my account XXXX $ to fix it yet again. I checked my account at about XXXX said XXXX and I was happy finally. figured it was good I was good. Wrong. Check my account now XXXX XX/XX/XXXX - {$36.00} they hit me with another overdraft fee for no reason nothing is posted to my account other then what is listed below. 3 days of dealing with this bank and we are going no where with a resolution now id like to close my bank account out after this is over to protect my self from a predatory monetary system. Gon na attempt to resolve this tomorrow again but if they try to hard hand me again I'm getting a lawyer and contacting my state senator. Was told the FDIC was a trusted organization I hope so. 

XX/XX/21 Fee Rebate Dda Credit {$30.00} {$0.00} XX/XX/21 Debit Memo Sustained Od Fee - {$30.00} - {$29.00} XX/XX/21 Direct Deposit Citizens Bank N {$70.00} {$0.00} XX/XX/21 Preauthorized Debit XXXX Inst Xfer - {$32.00} - {$69.00} XX/XX/21 Fee Rebate Fee Rebate {$30.00} - {$37.00} XX/XX/21 Fee Rebate Fee Rebate {$37.00} - {$67.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$100.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$74.00} XX/XX/21 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} - {$44.00} XX/XX/21 Preauthorized Debit < -- - When overdraft happened. 
XXXX Inst Xfer - {$10.00} - {$7.00} XX/XX/21 DBT Purchase XXXX XXXX XXXX Co XXXX - {$10.00} {$3.00} XX/XX/21 POS Debit XXXX XXXX XXXX Dc XXXX - {$69.00} {$13.00}
Consumer complaint received 2021-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XX/XX/2018, I contacted Navient and submitted an application for Public Service Loan Forgiveness. I have been an XXXX  for 20 years and have been paying on my student loans for 15 plus years. I inquired about student loan forgiveness and they told me that I was ineligible. I asked them if there is any way to become eligible and they vehemently replied, " No!. '' I recently graduated in XXXX with my XXXX and have been working with a different loan processing company for my current student loans. They told me that in XX/XX/XXXX, I could have easily consolidated my loans at Navient and then all payments would count towards loan forgiveness. Navient intentionally provided me with misinformation and it will cost me tens of thousands of dollars. I would like to file a formal complaint against them. I have documentation of emails for when I inquired about the student loan forgiveness.
Consumer complaint received 2022-10-31
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was 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 information relating to any transaction by the consumer.

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as these are impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. This account ( s ) is unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1800.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4400.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$960.00}
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NC)

I had filled out an application online. While reading the terms and conditions and paging down to see them all, the application submitted without me touching any buttons. 

I called Wellsfargo and after being on hold and passed around to 5 different people. 

The first number I called was XXXX and spoke to XXXX who transferred me to XXXX at XXXX and spoke to XXXX who transferred me to XXXX at XXXX. 

Then I received an email saying to call XXXX if I did not submit the application. I spoke to XXXX who said she needed to transfer me to another department. Instead she transferred me to the main menu of the phone number I had called. 

I had to wait another 10 minutes then spoke to XXXX who claimed she had to escalate the issue. Then she gave me two more phone numbers, XXXX for the application status department and XXXX for the escalation case management. 

Instead of this being handled as the email said I could do if I did not submit the application I have been transferred over and over and only given phone numbers and a reference number, then told they would contact me within 2 business days. 

The reference number I was given is XXXX. 

I have been on the phone with all of this for over an hour and a half due to this application being fraudulently submitted, with no results. 

I was wary of doing anything with Wells fargo with the lawsuits they have had. This is why I was reading the terms and conditions. They have their website set up for it to submit the application if you have filled out the information even though you have not touched any submit button. 

Thank You, XXXX XXXX
Consumer complaint received 2023-07-22
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. (LA)

I have requested that XXXX XXXX to remove my payment history off my consumer reports. According to ( 15 U.S. Code 1681 A ) they are not allowed to report my payment history on my consumer reports.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (ID)

I XXXX XXXX XXXX a federally protected consumer was sent a collection notice from GC SERVICES LIMITED PARTNERSHIP on XX/XX/XXXX XXXX. GC SERVICES LIMITED PARTNERSHIP has violated federal law when they a debt collector sent a bill to my home saying that I owed them {$11000.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ). There was no proof in the letter that said alleged debt was owed, no contract with my signature on it, just some nonsense about XXXX, XXXX was the original creditor but according to congress I am the original creditor so how can XXXX, XXXX claim this? What is happening here is fraud!
Consumer complaint received 2021-06-18
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: DISCOVER BANK (NV)

Last year I discovered a false account with Discover Bank reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover Bank denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover Bank refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.