davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-25
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. (PA)

I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my XXXX credit reports with Transunion, XXXX XXXX XXXX it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.
Consumer complaint received 2021-12-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NE)

I applied for a XXXX loan through the XXXX in XXXX of 2004. The Company Nelnet ended up servicing the loan. They supplied me with a Master promissory note with my signature, proving that it was a consumer credit transaction, and they did not give me credit, as I am the original creditor. I am asserting that I owed nothing after I signed the document and my credit was utilized.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX.I have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I reached out to American Express so I could exercise my consumer rights to validate the alleged debt and they are denying me my rights to do so. The company ignored my request to receive all documentary evidence and told me the account status does not meet the criteria for us to fulfill a debt validation request which violates FEDERAL LAW. American Express is blatantly violating my consumer rights by not allowing me to validate the alleged debt.
Consumer complaint received 2021-12-25
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. (TX)

I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX  twice from XXXX XXXX XXXX  XX/XX/2020 these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXXI have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.
Consumer complaint received 2021-12-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (FL)

On XX/XX/2021, I entered into a contract with OppLoans for a {$1700.00} loan. I was not aware of the 159.49 % APR until after I had received the paperwork and deposit. I didnt see it. See attached. I am happy to pay the {$1700.00} that they sent me but I will not send that money in interest. They have scammed me and not told me everything up front.
Consumer complaint received 2021-12-25
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. (NY)

I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an XXXX member of the United States Military and usually travel XXXX XXXX XXXX XXXX. I use the AutoPay feature to pay my bills automatically XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of XXXX XXXX. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit XXXX XXXX XXXX XXXX XXXX I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault XXXX XXXX XXXX XXXX during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.
Consumer complaint received 2021-12-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

On XX/XX/2021 I used check number XXXX to pay 4 mortgages in the amount of {$10000.00} with Network Capital funding and on XX/XX/2021 I did the same payment method using check number XXXX in the amount of {$10000.00}. Network capital deposited both checks in their bank account and the check was paid by my bank and clear. But Network capital contacted me saying that they never received the checks, that I am owing mortgage for XXXX and XXXX XXXX. Though, i sent them evident of payment from XXXX XXXX and both check was deposited on Network capital account and clear, but they refused to listen. They threatened me with all kinds of phone calls and letters, despite they have the prove of payment in their bank account. 
At the same time I was refinancing of one of my property at XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX with XXXX to enable me take advantage of the low interest rates and my good XXXXredit score. At this time my credit score above XXXX and the XXXX XXXX gave me interest rate of 4.37 % ..See attached letter to commit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX. 
By the time XXXX XXXX was ready to fund, Network capital had reported late payment and ruined my credit rate to below XXXX and XXXX XXXX are unable to fund in that rather. All effort to contact Network capital to persuade them that the error is not on my part but from theirs was unfruitful. Though, they get their money on time, they cashed and refused to acknowledged that they did not record their accounting properly and in turn ruined my life.
Consumer complaint received 2021-03-09
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc. (MI)

I have tried to send XXXX dollars from my account in rapid pay to my account in XXXX. The webpage of Remitly just asked me for my passport and my number account. Then they put the amount on hold and they require me a bank statement that I wasnt able to obtain on time. Remitly canceled my transaction and they told me I would receive my money back in 24-48 hours but they didnt release the money. I called my bank and they said Remitly never return the money.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I ordered my Experian credit report to check for my inaccuracies and have found an address that does not belong to me. I started a dispute online and was instructed to call Experian directly. In which I did. A representative told me that he was unable to remove the incorrect address because a creditor was reporting such address. I am now forced to explore our avenues to remove the incorrect address. I have attached my true accurate address as proof of my residency in accordance with my Experian credit file.
Consumer complaint received 2021-12-25
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 have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.
Consumer complaint received 2021-12-25
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. (NY)

I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.
Consumer complaint received 2021-12-25
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. (TX)

I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX  twice from XXXX XXXX XXXX  XX/XX/ these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX.I have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.
Consumer complaint received 2022-08-31
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 am submitting this complaint to follow up the response from the Credit Bureaus after the 30 days of investigation. As I reviewed my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am submitting another CFPB complaint today to request the Credit Bureaus to remove the accounts and information that resulted due to identity theft. After receiving an updated copy of my Credit report, I immediately noticed that the previously disputed fraudulent items are still reporting on my Credit Report despite the numerous dispute letters I have been sending to the Credit Bureaus. I have read that under the FCRA section 605b, the Credit Reporting agencies are required to remove the accounts and information that the consumer identified as item resulting to identity theft. The letter I sent on XX/XX/2022 has complete attachments of my personal identifying documents, the ID THEFT REPORT I received from the FTC as well the FCRA section 605b. I am requesting the Credit Bureaus to remove the following items completely from my Credit Report 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 Balance : {$390.00}. If the Credit Bureaus claim that the items in dispute belong under my name, I need the Credit Bureaus to provide me copies of proof of verification.
Consumer complaint received 2019-11-27
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. (TX)

I have sent many letters to the credit bureaus with identity theft and police report stating that there are many errors and fraudulent accounts on my report. The credit bureaus refuse to cooperate and investigate.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (CA)

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Name : XXXX XXXXXXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Credence Resource Management is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Credence Resource Management does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CITIBANK, N.A. (TN)

I receive a copy of my credit report and shows that his company was on my credit report as an inquire since XXXX2018. I  never applied for a credit card from this company and my mail was going the someone elses mailbox so I was unaware that is was happening. I am now being denied of credit due to inquires on my report
Consumer complaint received 2019-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, TransUnion & XXXX are refusing to correct all fraudulent & Identity theft accounts on my credit report. Neither Credit Reporting Agencies are Abiding with FTC rules, 609, 605, 607, 611, and 623. I have been in a constant battle with ALL THREE CREDIT REPORT BUREAU’S. My credit report was compromised and/or breached with my information. XXXX, XXXX, and TransUnion have repeatedly ignore FTC rules for conducting investigations by the consumer, also neither agency has provided me with their Method of Verification I'd requested excluding verification by XXXX is not acceptable. Each Credit Reporting Agency- stated, the Bankruptcies found in Public Records were verifed by the furnisher "US Bankruptcy Court XXXX TN", which is highly unlikely according to the US Bankruptcy Court XXXX TN. I have filed Identity theft/Fraud Affidavit with the FTC and the IRS in hopes to Block Fraudulent Accounts on my Credit Report. I will attach all documents with FTC. I included an Expedited Correction of 10 days or less from today's date XX/XX/2019. This matter has been going on for over a year. I am asking for this matter to be resolved IMMEDIATELY.
Consumer complaint received 2023-07-31
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. (GA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX