davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX 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 2023-07-10
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. (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 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX 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 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 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 2023-03-02
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. (MD)

To Whom It May Concern : I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX XXXX XXXX XXXX  XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-22
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. (LA)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2023-06-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

Rushmore Services which holds my Mortgage has been paying my Homeowners ins and I have already switched the payment to me paying my self rather then the mortage Co.

I sent them back a check for {$1000.00} which was the money they paid to My Ins company..

I sent back a check to them because im paying the Ins myself rather the having them pay it.

Now I'm getting a run around, they received my check which should be applied to them for paying the inc. I want that money applied to reduce my monthy mortgage payment. Instead they are returning the money to me.

I also had this issue with them a number of months age when I gave back the premium I received from my Ins company. 
I want the {$1000.00} aplied to my acct and reduce my monthly mortage payment. 

XXXX XXXX
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX 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 a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX, I noticed on my Equifax credit report that there was a hard inquiry from XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. I never tried to open a credit card account with XXXX XXXXXXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called The XXXX XXXX, with the help of an identity protection specialist, and spoke with XXXX in Security/Fraud. She said that there was nothing opened in my name or SS # and to dispute the hard inquiry online with Equifax. 

On XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), I submitted disputes to Equifax regarding the hard inquiry on my credit report from XXXX ( The XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " I believe I am a victim of identity theft and that the inquiry is not mine ''. Both dispute results are " Inquiries are of factual record of file access and will remain on the Equifax Credit File two years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding the hard inquiry on my credit report from XXXX ( XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " I didn't give this company authorization to access my credit report for this reason ''. The dispute result was " Inquiries are of factual record of file access and will remain on the Equifax XXXX XXXX XXXX years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding the hard inquiry on my credit report from XXXX ( XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " This is not my inquiry ''. The dispute result was " Inquiries are of factual record of file access and will remain on the Equifax XXXX XXXX XXXX years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding an incorrect address ( city ) on my credit report. I was not given access to the dispute results however my address ( city ) remains incorrect on my Equifax credit report. This is an incorrect address.
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY XXXX AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (MI)

So to summarize my problem.. in XXXXXXXX XXXX XXXX, I applied for an Indigo Mastercard by Genesis FS Card Services and was approved for {$300.00}. To this day, I still have never received my credit card from them and I called almost 5-10 times and I only get the same answer that I must wait another 2 weeks. I can not create a login nor pay my bills online on their website because I dont have card numbers to register my account. Keep in mind that they can easily send me monthly statements to my home, but cant send 1 single credit card in 3 months time.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  withdrew {$6000.00} from my account because of a recurring payment I had setup with a Barclay card.

The problem is that the Barclay card was closed months ago and I forgot to close the account. 
XXXX XXXX XXXX  still processed the payment on XX/XX/XXXX. 
I realized the problem happened in XXXX and gave a call to Barclay and they informed me that the return was submitted. 2 months have passed and I have not received my money back. 
I have called both banks and neither bank can figure out where my money went. 

I am looking to see if you can provided me with information on how to handle this problem.
Consumer complaint received 2020-06-12
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: EQUIFAX, INC. (OR)

Over the years, I've noticed this particular credit reporting bureau has always had my credit score well below the other two reporting agencies. I noticed that a lot of information that will have a positive result for my credit score isn't being updated on my report. I have several credit cards that are missing most of the information other credit card accounts have posted. I believe I'm not being fairly evaluated each month and it's affecting my credit in a negative way that result in denials of loans and credit cards.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Adjust and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/15 I applied for an American Express Gold credit card and was approved. 
I gave them my personal information. The website was legitimate and authentic. 
My request was processed and I was mailed the card. 
However the following morning I received multiple calls seemingly from the American Express service number. Then they finally called me a fourth time from a different number of a known scammer and left a voice mail. The number was XXXX ( XXXX ) XXXX. In the voice mail. They knew my full name, phone number and the fact I had recently applied for specifically an American Express credit card. At the time I was confused. They asked me to call them. So instead of calling the number back. I went to the American Express websites and called the help desk directly. They said they had no records of them calling me and it was extremely unusual since there was no problems with my account. I immediately knew something was wrong. The scammers clearly spoofed their phone number to appear like American Express help service. I called their security department explained the issue. The service woman explained that they keep my information safe and do not share data with anyone. This was clearly not the case. 16 hours after signing up for an American Express Credit card, I get scam calls about an American Express Credit card using my full name and credit card. The chances of me getting this scam call was either the worlds largest coincidence or the more likely scenario is American Express is compromised I would now like to mention I am cyber security engineer and ethical hacker. I am extremely aware of the dangers of the cyber world. 

Bringing me to 3 possible conclusions. American Express either had poor security standards, has a small group of employees who are stealing data, or American Express is lying and is selling data to 3rd parties. In any case, this is an egregious and blatant failure of American Express to protect its customers and data. 

To add on at the end. XXXX ( XXXX ) XXXX. This is the scam number. Searching it on the internet, you can find other people complaining on online forums about this number specifically, doing the same scam. This is a long running issue that has not been resolved for a minimum of one year. Which is a long time for a single scam number to be active.
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (RI)

Dear CFPB Representative, I have been waiting nearly a year from my original fully completed application for student loan debt forgiveness under the XXXX XXXX XXXX XXXX XXXX ( PSLF ) to be processed and my loans forgiven in full. In this time my fully completed and totally compliant application has received numerous unecessary and possibly illegal delays in the processing of forgiveness as my loans were transferred from XXXX to XXXX XXXX and then again to MOHELA this summer. 

On XX/XX/2022, I received notice that my loans had once again been transferred to a new student loan lender as part of this process. My loans have now been transferred from XXXX XXXX to MOHELA. When my loans were transferred in XXXX, I had already been approved for XXXX PSLF Qualifying Payments out of a total of XXXX Eligible Payments. The process had not been completed due to the additional information needed about my first public sector employer. This information which was provided to MOHELA in XXXX ( see attachments for more detail ). 

My total student loan balance which is now with MOHELA is {$48000.00}. This is the amount that should now be forgiven in total. In addition to the total loan forgiveness, I am also eligible for reimbursement by the federal government of my overpayments beyond the required 120 monthly payments. By my count, I overpaid by a total of {$4900.00} in payments after I had made the required 120 monthly payments. So, I should receive at least a refund check in the amount of {$4900.00} in addition to the total student loan forgiveness. 

I continue to remain employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as of the date of this complaint and remain eligible for student loan forgiveness. MOHELA has made no progress is processing my student loan forgiveness since my loans were transferred from XXXX XXXX to them this summer and I am beyond angry at how slow this process is and now nobody at MOHELA even answers the phone to respond to questions about the status of my loan forgiveness and reimbursement check. 

Please Help!!! 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RI XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the 3 bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on 1 credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note these are not the full account numbers. They contain XXXX  at the end of each and will not be given here in order to protect my personal information.
Consumer complaint received 2021-08-30
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. (TX)

I spoked to dem tuday and XXXX was rude as XXXX and hung up on me and said you people thenk yall know so much but dont im like why yaw aint process my id theft affidavit he like we got 30 days you peeople think dat you tell us how to do are work im like the law tell yaw how to due yaw work he like nope.
Consumer complaint received 2020-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It shows on my credit report that I have a debt balance of XXXX for a medical bill originally from XXXX XXXX. This debt does not state my name, address and what this debt is specifically for, in which this debt is unverifiable and I would like proof that this debt is actually mine or could be.