davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Closed account XXXX XXXX XXXX XXXX XXXX {$620.00} Closed 5 charge-offs Account Info Hover over labels for more details Account number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX
Consumer complaint received 2021-01-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

On Tuesday XX/XX/XXXX, my husband and I both received multiple Docusign emails from Caliber Home Loans labeled " Mortgage Loan Disclosures from Caliber Home Loans, Inc. ''. We could not open these disclosures because they required a password. Neither my husband nor I have a loan application in with Caliber Home loans so disclosures are cause for concern. I used the phone number in the docusing email to call and discuss the issue. The phone number doesn't work. I responded to the customer service email address saying I don't have a loan application in and I have concerns about the docusign. I have attempted to use every customer service phone number I can find and can not get a person on the phone. I also submitted a customer inquiry through the website. The customer service response was " Please provide your loan number and/or address so we can assist. '' I have replied, yet again, that I can't provide a loan number or address because I don't have a loan application in with Caliber Home Loans. I have concerns that Caliber Home Loans isn't protecting consumers, myself included, by not having adequate fraud detection and prevention measures in place. I am concernd that a fraudulent loan has been taken out in my name and I can't get anyone on the phone to discuss it. 

PLEASE NOTE - I am required to enter an address in order to submit a complaint, but I DO NOT HAVE A LOAN so the address entered is my current home address and is NOT connected to the potential fraud in question.
Consumer complaint received 2023-05-26
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. (NV)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2017-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have reach out to these oeople an the credit Agency and not happening.Ive had my identity stole.This has cause my life an credit to not succeed.please take action.This are not me.I live in XXXX Florida. <P/>XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX These companies after serveral letters they keep restarting the collection.that not fair.
Consumer complaint received 2023-01-02
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: Cedars Business Services, LLC (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX. I am being XXXX XXXX my credit with no explanation on an erroneous, alleged collections information. CEDAR BUSINESS SERVICES has never proved this debt collections belong to me legally.
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (MI)

I sent my letter off XX/XX/XXXX, XXXX told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting % 100 Accurate. According to the FRCA 15 USC 1681 everything has to be % 100 Accurate. I have the credit report showing the inaccuracies. 

COLLECTION- XXXX XXXX XXXX ACCOUNT TYPE- COLLECTION COLLECTION- XXXX XXXX XXXX ACCOUNT TYPE- COLLECTION PERSONAL LOANS- XXXX XXXX  XXXX ACCOUNT TYPE- UNSECURED
Consumer complaint received 2021-01-09
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. (CA)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I opened a TD Beyond checking account to secure the advertised promotion of {$300.00} they were offering. I did everything correctly but did not receive the bonus. They claim I received a bonus in the past but it was not in the preceding 12 months like their terms state. Their terms say, " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I did not have an existing account and I completed all required qualifying criteria. The terms CLEARLY state in order to be available for this promotion, you can not have had an account in the previous 12 months. My previous account was closed on XX/XX/XXXX. I am not the greatest mathematician in the world but between account closing on XX/XX/XXXX and opening account on XX/XX/XXXX is more than 12 months. Bottom line : I did not have an existing account, I did not have an account in the previous 12 months, and I completed all requirements. I was clearly a new personal checking customer! I would like someone from TD Bank to explain how I am excluded from this promotion. Simply saying that I've had an account in the past will definitely not suffice as the terms unmistakably state the preceding 12 months. I have attached a copy of the terms for your viewing pleasure ( I even highlighted it for you ).
Consumer complaint received 2024-03-01
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-08
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. (NY)

To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on XXXX and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it as well.
Consumer complaint received 2023-06-26
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. (NY)

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 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 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (MD)

I had one of the XXXX diesel vehicles that was bought back in XXXX of 2017. The account still reflects being open on my credit report when it should obviously be a closed account. The balance reflects XXXX  which means it was updated appropriately, but the account there is no reason for the account to still be open.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX I sent Transunion a letter because they had an incorrect name on my credit file along with other major problems which were affecting my credit. I requested they make the necessary changed to the information they use in determining a credit score. After pulling a new credit report in XX/XX/2020 I noticed they had completely disregarded my request to remove a name that is not my name from showing on my report. These companies are aware that they hold a persons financial future in their hands and so far they have shown they don't have the integrity to be in that business.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

Mohela is handling my student loans. Their website rarely seems to work. I have attempted to log in at different times of the day. They are consistent about sending me emails about a late payment but I have tried to be on top of them, it is just that the website is never working. I have tried linking to it from Studentaid.gov and it is the same.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-05-26
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)

This is my 3rd 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 XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}, XXXX XXXX I, XXXX XXXX Balance : {$4300.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXXXXXX 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 2022-11-18
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. (FL)

In accordance with the Fair Credit Reporting act my rights have been violated. per 15 U.S.C 1681 section 602 A. Which 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 and I have not given written instructions to have any of the information in the attached documents furnished on my behalf.

Per 15 U.S. Code 1681d ( b ) The results of your investigation results need to be shared with me the consumer. So, in conclusion of your investigation please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

ALSO PLEASE ADVISED THAT PER THE FAIR CREDIT ACT AND 15 U.S. Code 1681i ANY ACCOUNT THAT IS SLISTED ON THIS INQUIRY NEEDS TO BE REMOVED FROM MY CREDIT PROFILE IMMEDIATLEY WHILE IT IS UNDER INVESTATION BY YOUR COMPANY.
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

PAYPAL Reference Nos. : XXXX, XXXX, XXXX Reference is made to the above issues that have been discussed and escalated with Customer Service over the past month . Deposits were made from my PayPal account to XXXX that were deposited to another account in error. The transfers from PayPal were sent to the wrong XXXX account in error. The transfers were for the sums of {$1000.00} ( Trace ID # XXXX ) and {$350.00} ( Trace ID # XXXX ) The proper XXXX account was XXXX and the funds went to account # XXXX. 

XXXX has confirmed that the funds in fact went into the wrong account and they are willing to correct the problem. Their advice is that the proper procedure is for the sender, PayPal, to request the return of funds from XXXX ( now XXXX XXXX ) and submit a Letter of Indemnity in the form that I have given to PayPal. 

I have contacted PayPal no less than a dozen times and they simply fail and refuse to request the return of funds from XXXX.
Consumer complaint received 2021-01-09
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. (AZ)

On XXXX I sent Equifax a letter requesting the removal of incorrect information and updating my personal information with their company. When I pulled my credit report in XX/XX/2020 I noticed they had failed to respond with the removal as required by law. This has undoubtedly hurt my credit and left me open to identity theft and fraud as the result of addresses on my report showing incorrectly. My score reflected on other credit services is much higher than Equifax because they have failed to clean up the errors they are responsible to maintain. They have shown they are not a trustworthy company and don't have the integrity to keep the responsibility of safeguarding peoples credit.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX : XXXX It has come to my attention that negative items are being reported on my credit to Experian, XXXX, XXXX, and XXXX XXXX without my consent. Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

I recently received XXXX statements and they both stated I have not made any payments since XX/XX/2014 which is completely inaccurate from my understanding and then they stated I owed XXXX XXXX  which I can not afford their payment of XXXX XXXX  a month. 

I will plan to file for total forgiveness and also write a letter to them which I did in the past and never received any response.
Consumer complaint received 2021-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, DEPT OF ED, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

During COVID 19 and the month of XXXX-XX/XX/2020, I asked Shellpoint Mortgage Servicing for a three month forbearance which they agreed to provide me because our city was on lock down and being XXXX  XXXX  had no income coming in. I contacted Shellpoint in XXXX and started making payments as they requested to keep the account current. They finally gave me a a twelve month re-payment of the three months that where in the forbearance in XX/XX/2020. 

Since then they have place 120 Late Indicators in my Credit File for the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XX/XX/2020 thereby ruining my credit. Since XXXX I have made endless calls asking them to put my account as current since I have not missed any of the payments that they required after the forbearance period but to date no resolutions has been accomplished. They have totally ruined my credit and continue to put 120 day Late indicators on my credit file month after month. They claim that even though they agreed to a repayment of the three months of the forbearance period the loan is not current they will continue placing 120 late payment indicators on my credit history file. 

My account number is XXXX- Shellpoint Mortgage Servicing XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX , SC XXXX Tel. XXXX.