davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
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. (PA)

I am a victim of identity thief my personal identification and ss # has been used without my consent acquiring to apply for banks, unemployment in different states, hard inquiries that are not from my consent, Ive have tried reaching out to the companys directly no help, I have called the credit report agencies no help, i also contacted the federal trade commission to report identity Theif I was given a ftc report and the credit reporting still wont fix my credit My XXXX  and XXXX XXXX reports are Completely wrong
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Marlette Funding, LLC (NC)

Best egg calls continually throughout the day They are also calling my business number. I told them I am not allowed to receive these calls at work and gave them my personal information. They refuse to take my business number out of their system. I have emailed them directly, used the chat function and spoken to them on the telephone. During the chat function I was told my business number was deleted, yet I am still receiving calls.
Consumer complaint received 2021-12-24
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-24
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (NY)

Direct Recovery Services contacted and left voicemails for me on my mother 's number. There, it identified my name, my account number, the name of this business, and the fact that I owe money. This is not the first time they have done this. I have no clue what these people are after, because they've never written me anything explaining what debt they're allegedly trying to collect, nor have they informed me of my right to dispute. They keep calling nearby individuals, including my Mom, Dad, and brother at this point, and now they've left voicemails, despite me having told them to stop when they first tried.
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 — Account status incorrect
Company: EQUIFAX, INC. (TN)

The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with Equifax or XXXX either and need to be DELETED IMMEDIATELY. They are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of the XXXX report # XXXX is attached below to show proof
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (OH)

I have an attached file showing the items your company said was reporting accurate. By your standards these accounts should not be reporting on my consumer report. Your company need to remove all inaccurate and inconsistent items from my report asap. Failure to due so will result in noncompliance and your company will be responsible for willfully not complying with what standards you have set in place.
Consumer complaint received 2021-12-24
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. (PA)

Notes 1681g. Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : I currently have a 12 late payments reporting on my credit report which werent late. I asked for proof and they did not send me any. Ive tried to get them removed multiple times because it is false.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Notes 1681g. Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : I currently have a 12 late payments reporting on my credit report which werent late. I asked for proof and they did not send me any. Ive tried to get them removed multiple times because it is false.
Consumer complaint received 2021-12-24
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: EQUIFAX, INC. (IA)

I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES Equifax XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (OR)

I ordered a product in the amount of {$210.00} from XXXX on XXXX XXXX, 2021. After waiting two months with no update, I contacted the merchant to inquire about shipping status on XXXX XXXX and XXXX XXXX. I received no response from the merchant so I opened a dispute with my credit card provider ( Apple Card / Goldman Sachs ) on XXXX XXXX. 

On XXXX XXXX, I was informed by Apple that my dispute had been denied due to the following reason : The evidence received confirms that you received a refund in the form of a voucher. For example, store credit or a voucher I did not receive a voucher, store credit, or anything of that sort. The merchant has not contacted me at all.
Consumer complaint received 2022-08-31
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. (NJ)

I am a natural person, I am a living human being, i have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts XXXX XXXX account number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

It is my greatest pleasure to have this opportunity to write to you this email. 
First of all, this incident did occur backed in XXXX, while I was on a transit to XXXX, XXXX XXXX. I made a transit through XXXX, when I arrived in XXXX and ready to continue through to XXXX to XXXX my final destination, the XXXX immigration officer at the post, insisted that I needed a transit visa to pass through XXXX. 

In fact, he made me missed my flight. I was stranded at the airport ; the following day, travel to XXXX to apply for transit visa, which don't require, but I did go to XXXX to apply for the visa at the British consulate to enable me to continue my travel. 

Furthermore, when I came back from XXXX, back to US after two weeks of my visitation there in XXXX, I started working and was fired by my Company that I was working with before travelling. Since then, no company hired me ; even if the company did hire me, I would be fired when they received my background result. Because none of the employers informed me the result of the background, this continued until XXXX when one company told why they were not able to give the job or hired me for the project. 

On the Other hand, they assisted me to filed a dispute ; by sending me a dispute form to fill a dispute form on that mistakenly report showing as a criminal code in my recorded report. 

I had indeed suffered, mentally, physically, emotionally, and economically as a result of this wrongly listed of record mistakenly in their XXXX XXXX databased. 

I have supporting document to share to upload for your review and consideration. for all most two decades, my entire life had been a strongly as result of negative record. 

My credit score had been damaged as a result of this episode, I couldn't get hired to earn an income that would enable me to pay my student load, even quite recently, when I apply SBA LOAN, I has been rejected as a result of my default student loan which wasn't a fault of my owned. 

I am appeal to you, to review case and assist me clear my name and my reputation. This had indeed destroyed my entire life. It had denied me of many opportunities despite, my achievement and had work. 

I will look forward to hearing from you soon Thank you Yours faithfully XXXX XXXX
Consumer complaint received 2018-10-02
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)

In 2018, disputes letters were sent to XXXX, Transunion, and XXXX requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. Transunion failed to date a response within 30 days of receiving the request. 

XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX  Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XXXX   Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated Transunion Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-12-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

This is my second cfpb complaint. My name is XXXX XXXX and I owner- retain purchased my vehicle back from USAA after it was totaled XX/XX/XXXX. I still to this day have not received, nor has the MD XXXX, gotten the proper OWNER-RETAIN SALVAGE TITLE PAPERWORK, so I can register my vehicle. My temporary tag expired XX/XX/XXXX, it is almost XXXX, and USAA / XXXX ( the company they use for totaled vehicles ) has not completed the proper paperwork so that I can register my vehicle. I have called about this issue constantly, emailed constantly, even stopped by the XXXX in XXXX, Maryland that I purchased the vehicle back from & the same answer, it's being worked on & I have to wait, it's been 1.5 years & still no one has given the XXXX, or me, any type of OWNER-RETAINED SALVAGE TITLE paperwork. I paid for my vehicle in full to USAA 1.5 YEARS AGO No problem, on the spot, and again no one at USAA has fixed this, oh yeah, & this is my second CFPB complaint, for anyone that didn't read the start! My second complaint for such a small issue for the Large corporation USAA, and this is their customer service they are presenting to consumers, I just have to say this is the worst XXXX & XXXX customer service that I have ever dealt with. I have never called, emailed, stopped by offices about the same small issue and no one has fixed this. I just want to put a license plate on my vehicle and drive legally without receiving tickets or towing. I've had both happen already because of not having a valid md registration. This is ridiculous
Consumer complaint received 2021-12-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Hello about a month ago I tried to refinance my mortgage with Navy Federal and the process was so unfair Navy Fed lead me to believe I was going to be able to Complete the process it was a told nightmare. They gave me the complete run around I complied with everything Submit it all documentation All the way to the end of the process to be denied due to debt to ratio I issued that they was will Aware of .I honestly feel I was discriminated against Navy Fed made sure that my appraisal came in on the lower end so that I would need to bring more money to closings the reason for refinancing was to do the debt consolidation. So I was treated so unfairly because Navy Federal already know my financial situation they change my closing cost amount because three times Thought I would have no other choice but to back out Bring that higher amount to closing GLB Act Explains how that is against the law to do something like that. I am currently going through a horrible experience with XXXX current mortgage lender Navy Fed is treating me Even worst : And also The first gentleman that I was dealing with me Cause I was XXXX So he send me to someone elsec
Consumer complaint received 2021-12-24
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. (TX)

I am making a complaint concerning Inquiries that are reporting on my account. I have contacted Experian, XXXX and XXXX about unauthorized Inquires. My rights are being violated and I am being ignored, after several attempts trying to solve this issue. According to code : 15 U.S. Code 1666- Correction of billing area, the Bureaus above are breaking the law. 

I have not received any Verification showing I authorized accounts. Sending me letters saying verified does not verify that the accounts are legally and lawfully reporting. Pleae delete all inquiries that are not authorized.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX was the guarantor for my mortgage received by Bank of America. Recently, I did a XXXX XXXX  lookup information. I called both XXXX XXXX  and was told that my guarantor changed. I called XXXX XXXX and was told that they are not guarantor. When I called Bank of America requested why the guarantor changed and requested that I be provided with the new guarantor information ; Bank of America denied my request. In addition, Bank of America advised me that by law such information did not need to be provided to me.
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: EQUIFAX, INC. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-24
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. (TX)

I sent several letters to XXXX disputing an account that does not belong to me. After I filed a complaint with the XXXX, they deleted the account in early XXXX, but then it reappeared XX/XX/2021. They never sent the official deletion letter, but third party reporting agencies such as XXXX and XXXX shows when it was deleted, and when it reappeared. It seems as if they simply wanted to appease the XXXX complaint. 

The account in question is : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-10-08
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion 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 Balance : {$360.00} XXXX XXXX XXXX Balance : {$460.00} XXXX FIN XXXX Balance : {$5000.00}
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 — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate XXXX  XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I am curious as to how someone was able to apply for accounts for business/credit when I already had a security freeze on my credit file please remove the following inquires : XXXX XXXX, XXXX, XXXX  XXXX/XXXX, XXXX
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/20, a purchase protection form was submitted to Card Benefit Services along with supporting documentation for the claim. Since XX/XX/20, I have reached out to the benefit administrator multiple times, both through email and phone call. I was told that the file had been updated many weeks ago, yet the claim is still in pending status and absolutely no follow up has been completed from the benefit administrator 's side. All documentation that was requested, both at the time of submission ( and initial follow up ) has been completed, but at this point, after multiple calls and no response, I have been forced to file a complaint through CFPB. As a loyal Chase customer of many years, I am extremely disappointing in how this situation has turned out. 

Claim Number XXXX