davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX Balance Owed : {$2600.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Consumer complaint received 2021-11-21
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian I Checked my credit report and saw multiple fraudulent inquiries on my account and they are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have filed a police report, and a identity theft affidavit and got it notarized! REMOVE THESE FRAUDULENT INQUIRIES IMMEDIATELY!
Consumer complaint received 2023-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MD)

I opened an account with AMEX in order to save money for vacation. I used this account to transfer money to from my main banking account which is through XXXX. For whatever reason, the AMEX account had a fraud alert placed on it, and they closed the account. This leaves me with no access to the funds inside the account at all. AMEX tells me that XXXX has to fax them and recall the funds. XXXX tells me there is nothing they can do, and AMEX must return the funds. It's been an ongoing issue for weeks now with many phone calls. I leave for my vacation in two weeks and without that money that they're holding up I will be unable to go.There is {$700.00} ( plus any interest that it may have gathered ) in that account, that neither party wishes to help me with.
Consumer complaint received 2017-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

I recently learned Navient has broken the law by calling my brothers new wife 's father and demanded him to make payment on alleged loans said to be associated with my name. 

I have not only cease and desist letters certified mail that all communication moving forward must be in writing but i have disputed the loans entirely based on fraudulent practices by both Navient and XXXX XXXX XXXX XXXX Minnesota. 

I keep getting calls non stop as does my mother. They will not listen to us when we say this is harassment and that they need to stop. All communication must be in writing, period. 

I have requested that they prove the validity of the loans and they send me the wet ink promissory note but still after many requests and many attempts they have not sent me anything. 

From this point on all communication MUST be sent via certified mail. I will not open emails i will not accept calls, PERIOD.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is knowingly reporting incorrect and incomplete information on my consumer report. I have sent them a letter explaining their error, but they sent me a generic response letter stating the account was " verified ''. There are XXXX different balances being reported on an account. According to FCRA Section XXXX ( a ) ( XXXX ) ( A ), data furnishers have the responsibility to report accurate information. Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation pursuant to XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

This is not a duplicate the credit agencies needed proof of my identity and did not state that they received them by mail. The documents are include in this complaint so they can not say that they did not receive them Experian and XXXX XXXX payment amount for child support reported by XXXX and Experian is incorrect and according to FCRA should be corrected and updated. I have documented proof but XXXX and Experian is not acknowledging the uploaded documents online. XXXX and Experian is stating that my monthly scheduled child support payments is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payments and XXXX and Experian refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving EXPERIAN AND XXXX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at XXXX and Experian even though they used to show the correct amount on my credit report
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$22000.00}
Consumer complaint received 2017-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC (CA)

I received my loan online and make all my payments online, I never call in. I paid the account off in full per the amount on the website, then 2 days later they hit me with a {$7.00}. I paid that, then they hit me with a {$.00} charge. They wont give me a payoff over the phone and the one online is incorrect, they say they can only " Mail Me '' a payoff ( To collect further interest I assume ''. BEST EGG is an online lender that wont give accurate payoffs on the same site that you can actually the the payoff.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MN)

EVERY Month I get locked out of my account online. EVERY month I have to call customer service, EVERY month I am told I have to wait XXXX hours to unlock my account and change my password. EVERY month I change my password and again get locked out of my account. Customer Service is NO HELP AT ALL.
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXXXXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXXXXXX XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : {$6900.00}.
Consumer complaint received 2021-11-20
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)

The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the Bankruptcy Courts do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. XXXX uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.
Consumer complaint received 2021-11-20
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. (MO)

I have been trying to dispute these negative items on my credit report but the bureaus and so called furnisher claimed they investigated the account but never show proof of what they investigated.
Consumer complaint received 2019-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Our closing was scheduled for XXXX on Monday XX/XX/2019 by XXXX of XXXX XXXX for a home equity loan with Citizens Bank. XXXX called and left a voicemail Monday afternoon at XXXX to reschedule the appointment for XXXX XXXX. He said, Id like to see if we can adjust it to XXXX. They have me in XXXX at XXXX and I am fearful of not being able to be back in time for XXXX. He ultimately arrived at XXXX. We proceeded to quickly sign the loan paperwork, and once complete, he gave me a copy. I implicitly understood it was our copy of the closing paperwork. On the morning of Thursday, the XXXX, I proceeded to open the folder, and was shocked to see the paperwork belonged to XXXX XXXX and his wife XXXX of XXXX NJ. I called XXXX, and told him the situation, to which he abruptly responded, I picked up the wrong paperwork off the printer. I asked him pointedly, who has my paperwork? He said in response, NO ONE! Around XXXX, I could no longer trust Citizens Bank or XXXX XXXX to resolve this situation before untold horrors could occur, so I called the XXXX customer whose information I had, to see if they had ours. Mr. XXXX initially concerned I was phishing, ultimately relented, and checked his copy only to find out that he did indeed have ours. Who is to say he ( MrXXXX XXXX ) didnt already share or sell my information? How do I know this wont happen again with the financial outfits who now have my information? I am exasperated! I need to protect myself, and my son. XXXX XXXX VP of Citizens Home in XXXX NJ is aware, and agreed to meet XX/XX/XXXX, but it's already too late.
Consumer complaint received 2021-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NJ)

An individual in Tennessee opened an account under my name with Spectrum I received a collection notice from Southwest Credit XXXX XXXX XXXX XXXX XXXX. I spoke to XXXX  about this speaking to a rep named XXXX, I asked XXXX why XXXX does not verify a consumers ID by running a credit report through XXXX of the reporting agencies. To my surprise XXXX stated that XXXX does not even ask for a persons SS number when they apply for credit which I found odd because apparently this fraudulent debt is tied to mine. I think its appalling that a company does not perform their due diligence when handing out credit, had XXXX  checked with just ONE reporting agency they would have immediately discovered that all my files are FROZEN and that I am a victim of ID THEFT. I have a consumer statement on ALL reporting agencies XXXX XXXX, XXXX, XXXX which states that I am a victim of ID THEFT and that my SS # has been compromised, it also states that NO CREDITOR is to issue credit to any individual unless they verify their IDENTITY by emailing me, calling me or via mail these instructions were not followed and now they want me the consumer to unravel their mess. XXXX should have never issued credit under my name with out verification. Also I live in NJ  why would I apply for Spectrum in Tennessee?
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gatestone & Co. International Inc. (FL)

Gatestone contacted members of my wife 's family frequently and regularly over the past few years concerning a debt they claim belongs to my wife and I. Persisted to harass relatives even when asked to stop.
Consumer complaint received 2022-05-23
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. (NC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2021-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was scammed and Bank of America closed my account. I had money saved in my account which I never received. I provided them with my complaint opened a fraud claim. I received a letter saying they don't approve my fraud claim. I have a copy of everything I can show they never asked for any other information other then what they have on record.
Consumer complaint received 2019-07-30
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. (TX)

Equifax wrongfully reported XXXX XXXX XXXX XXXX to my report due to illegal evidence! Ive disputed the accounts numerous times and sent a 609 letter. The accounts were not removed and illegally reported. The employees at XXXX  XXXX targeted me intentionally reporting false information. Equifax removed the inaccuracies but due to the data breach they then had different reportings and deliberately changed my report. Im submitting documents Because of their negligence I can not obtain credit due to w challenged score due to inaccuracies.
Consumer complaint received 2023-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TN)

I requested that all payments be refunded that were made after XX/XX/XXXX, as per the Covid 19 law. However, I asked Mohella to process it in late XXXX of XXXX, and there were no changes. Therefore, I am unsure that the request has even been submitted to XXXX by Mohella. My loans originally came from XXXX XXXX servicing. In writing, XXXX said my requests would be passed along to Mohella. This was in XX/XX/XXXX. This was not true, according to Mohella. I attached a screenshot of the email correspondence.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (GA)

This is XXXX XXXX submitting this CFPB Complaint to once again, inform the Credit Reporting Agencies that I was a victim of identity theft and this is another request to remove the fraudulent information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any information not later than 4 business days after XX/XX/2022. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX po XXXX XXXX O XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. This CFPB complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.
Consumer complaint received 2022-05-23
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. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I already submitted a complaint to the XXXX Credit Bureaus regarding my concern. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus must comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, and stop reporting as unverified information without any proof provided, within the time allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accurate information from transunion XXXX and XXXX credit reporting agencies, NY credit reporting act states the legal time frame to have these closed items post has passed and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX