davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
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. (VA)

I am sending this ninth complaint towards XXXX and TransUnion. As, while the XXXX have removed a fraudulent account. There were still XXXX more items that needed to be removed. And the TransUnion Bureau have not removed anything at all. This time I am asking the CFPB to please supervise the removal process of these items below : XXXX : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NY)

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from BARCLAYS BANK DELAWARE on XXXX XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I appreciate you taking the effort to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will be resolved. 
XXXX XXXX XXXXXXXX Balance : {$630000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.
Consumer complaint received 2023-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

There are three student loans showing up on my Mohela account that were paid off. 

XXXX XXXX XXXX XXXX with a principal of {$1300.00}. 
XXXX XXXX XXXX XXXX with a principal of {$2200.00}. 
XXXX XXXX XXXX XXXX with a principal of {$3300.00}. 

These three loans were PAID off when the servicer was XXXX. 
These loans were not present on my account a few months ago. 
It is the responsibility of MOHELA to communication with XXXX to ensure what loans were paid off. 

MOHELA has also started charging interest on student loans when the Biden Administration has stated Student loan interest will resume starting on XX/XX/2023, and payments will be due starting in XXXX. 


I have tried numerous times to call MOHELA and only a machine answers that eventually just disconnects after waiting an hour.
Consumer complaint received 2022-10-19
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. No investigation was completed within 30dsys of the letters I sent.

( My letters that was sent to the credit bureaus are attached )
Consumer complaint received 2023-04-13
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (SC)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate you taking the effort to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will be resolved. 
XXXX XXXX XXXXXXXX Balance : {$630000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.
Consumer complaint received 2017-05-10
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. (GA)

My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with Equifax to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (GA)

Spring Oak Capital. has acquired the debt from XXXX XXXX XXXX XXXX XXXX  as the Original Creditor with out my consent and or knowledge. Also refuses to remove the Closed account from XXXX as the other 2 credit services removed directly.
Consumer complaint received 2023-11-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TN)

XXXX management sent me a letter of release upon my exit at the end of my lease in XX/XX/2022, clearly stating their desire to cover any and all of money due, with a return of {$190.00} to me. ( See attachment. ) This agreement included a gag order, in which I was instructed to cease from all formal complaints, including my complaint filed with the XXXX. I refused to sign the document, stating I have no power to stop a complaint already filed. In retaliation, said company has trumped up charges nearly 2 years later and sent it to collections. I have in my possession several documents proving the list of things I am charged for were increased every time I refused to meet this mans demands. All documents have been filed with the XXXX  and available upon request. I also have photos of the house on the day we moved out, to show it was ready to move-in. XXXX moved in new residents the very next day. There was no time to have made repairs.
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TN)

On XX/XX/XXXX I initiatied an auto insurance policy with XXXX XXXX XXXX for my automobile financed. A couple of months later I added a paid for vehicle to my policy. On XX/XX/XXXX, I contacted XXXX and informed them that I was selling the used vehicle and I didn't need auto insurance anymore due to me not having a vehicle. The customer service agent then notified me that Tennessee law requires residents to have automobile insurance regardless of ownership. Nevertheless, I was not in a position where I was going to pay for auto insurance on a vehicle which I no longer owned.I informed the agent to cancel my policy and send me written notification of the cancelation request in question. I never received written confirmation of the request in question and I received notification from Caine & Weiner Associates that they were attempting to collect debt on a satisfied account. The Fair Credit Reporting Act { 15 U.S.C. 1681 ] ; states that ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-01-31
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. (FL)

From XXXX to now I have been in contact with XXXX XXXX XXXX XXXX letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in XXXX  and they vowed to help me but as soon as I left the military in XXXX XXXX XXXX XXXX XXXX repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with XXXX XXXX for almost 20 years and to get this type treatment is unsat.
Consumer complaint received 2023-06-19
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance XXXX {$630.00} XXXX XXXX Balance : {$1500.00XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00}
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC has repeatedly opened unrequested credit cards in mine and/or my husband 's name. We never requested nor authorized these credit cards. Despite numerous calls and complaints, they continue to open accounts and tie up our credit line. Each time we report the matter, they treat it as " fraud '' and then cover their misdeeds by " resolving the fraud complaint '' ( i.e., card cancellation ). However, the problem is a recurring one. 

Fraud is not the source of the misconduct. Rather, it is their sales/marketing group which has devised a compensation plan that drives and rewards this criminal activity. Just like XXXX XXXX, the HSBC Card Marketing group is incentivizing their employees with a performance plan that is based on driving new cardholder volume/metrics. 

Please let me know how it is that they're getting away with this? I am happy to provide you with more details and have attached a photo of their " welcome letter '' for my new UNREQUESTED card ( identifying details removed ).
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have filed a complaint XX/XX/2022 for identity theft and improper use of reporting credit with Consumer Financial Protection Bureau. I understand that XXXX, Transunion and XXXX assumed a vital role in assemble information on me as a federal protected consumer. XXXX, Transunion and XXXX is impeding the banking system. XXXX, Transunion, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, Transunion and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, Transunion and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In according with the fair Credit Reporting Act XXXX Account # 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 furbish an account without my written instructions.
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

According to my servicer, MOHELA, as of XX/XX/2022, I have XXXX eligible payments towards PSLF. I have XXXX qualifying payments of the XXXX. I submitted my paperwork in XX/XX/2022 and was told by XXXX that they needed me to resubmit it. I submitted it again in XX/XX/2022 before my loans were transferred from XXXX to MOHELA. As of XX/XX/2022, MOHELA claims I am not eligible for forgiveness because the box " STILL EMPLOYED '' was not checked. I have a copy of the form submitted initially to XXXX and MOHELA. That box was checked. They are saying I should resubmit the form. I have qualified for PSLF. They refuse to acknowledge that and discharge the loans. At this point, I have applied for forgiveness three times during the period I have been eligible and have not been granted forgiveness. Communication from MOHELA before the transfer stated that any ongoing applications would be honored and no further action was needed. They acknowledge that I have XXXX qualifying payments ( in reality, XXXX since I am still employed at the same institution ) over the XXXX. I am still employed at the same institution as I indicated. 

They engage in shady business practices. They not only deny people eligible for forgiveness, but they also provide a phone number that no one answers. It is a pre-recorded message pushing you to their website. After several minutes, you are given the option to speak to someone, but they put you on hold until they hang up on you. No one will assist you. I would encourage you to try and contact them at their PSLF line XXXX XXXX XXXX XXXX. You will not be able to speak to any representative who can assist you for any reason.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (OH)

I applied for Best Buy Credit Card.. I never received it, I never got a Statement, I asked many times when I would be getting it. I was told up to a month or more. I decided something was wrong I called very early after application. Best Buy had all my information wrong. I had not made any purchases. I told them forget it close the account. The representative said that would be fine and account was closed. I started getting calls and looked number up I saw it was best Buy so I called again and said I cancelled and again was told rest assured the account was closed and no further action was needed.   They call 3 times daily I am not going to play account repair with someone in  XXXX . Best Buy is in the USA. his has gone on long enough
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.