davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items 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 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 2020-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

To whom it may concern, Citi Bank / Best Buy credit card opened without consent. 
I am being charged {$39.00} per month in late fees for a card I did not consent to open.Went to Best Buy to purchase a XXXX  reader for my phone. The associate recommendedI purchase a usb to save information from my phone because the XXXX  was not working. Left my phonewith the associate for about 3 hours to download information to the usb. While waiting I picked up pretzels and batteries. I needed to leave after 3 hours. They mentioned that they were charging me {$190.00} and had me sign papers. I asked how I would pay since I did not want a credit card. I mentioned to them that I do not see well and could not see what they were having me sign. I mentioned to them that I did not want a credit card several times. I asked them if I could pay {$100.00} and pay the rest over time. They mentioned that I did not have to pay. I was under the impression that I was payingfor the items in increments over 18 months. When I got home the XXXX  did not work and the usb was blank. 

Compaint against : Best Buy : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois. The credit card comes from Citi Bank/ Best Buy Thanks in advance for your help with this matter.
Consumer complaint received 2022-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is related to manufacturer defective cracked broken chair I purchased Complaint # XXXX XXXX XXXX I have asked for a replacemnt chair or refund credit of chair and I will buy another Easier for merchant to replace if he wants Complaint says this will be resolved XX/XX/XXXX I have received no info from Capital as to replacement or refund. 

Please let me know status and email me when letter in cfpb as I do not get notice that purchaser responded to my request Let me know why XX/XX/XXXX no word on replacement
Consumer complaint received 2020-06-16
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. (NV)

I found the legal name of the court is incorrect in my credit files with XXXX XXXX, Experian and XXXX. I submitted the correct legal name to both credit bureaus. XXXX XXXX deleted both items, the discharged and dismissed bankruptcies. Experian and XXXX  both replied they could not identify me and therefore couldn't find me within their files. I find this incredulous! Because I forwarded both credit bureaus with the first page of my credit report received from them. Nevertheless, I submitted the identifying documents and continued to ask for the removal of the bankruptcy items. Experian continues to list the bankruptcy item in my credit file. XXXX  has corrected the name of the court. According to the FCRA, if the credit bureau is found to have incorrect information, they must delete the item ( s ). Since the reporting of this item in my file, I have been denied credit for a secured card.Attached are the initial ( XX/XX/2019 ) second ( XX/XX/2019 ) and third requests submitted to XXXX XXXX, Experian ( XX/XX/2019 ) and XXXX  ( XX/XX/2019 ) credit bureaus.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

After pulling a copy of credit report I've realized there are many inaccurate items onmy credit report. 

Per 15 U.S. Code 1681e ( b ) Accuracy of report - Compliance procedures Please conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 14 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please delete as Creditor and agency are in violation
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

My son purchased a {$100.00} Visa Vanilla gift card from XXXX and upon removing the exterior packaging it was evident it was tampered with- the numbers were damaged and there was no cvv, so the card was not usable. After calling visa they said that it could take 30 days after a claim is filed to resolve the issue, and this is only if they feel that the information was stolen.
Consumer complaint received 2023-12-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 3rd Generation, Inc. (CA)

This Debt Was originally with California auto finance who originally discharged the debt. Than without notice I discovered while checking my credit that XXXX XXXX XXXX bought the debt. I was unaware that I can dispute the debt and never received notice that I can dispute the debt along with I did not receive any verifying information of the debt.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CO)

As of XX/XX/2020 I placed a dispute through XXXX  that my credit card balance with Target Redcard ( TD BANK ) is still reflecting an inaccurate balance of {$250.00} when this was paid in full as of XX/XX/2020. Today is XX/XX/XXXX, and my dispute was completed with the same balance that Target REDCard reported with the same inaccurate balance. 

I tried calling Target REDCard customer service to speak to a supervisor to have the balance information updated but was spoken to rudely and refused on several fronts.
Consumer complaint received 2023-05-18
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. (FL)

When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Inquiries : XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX  , XXXX XXXX, XXXX XXXX , XXXX, XXXX/XXXX, XXXX   XXXX, XXXX.
Consumer complaint received 2020-06-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Inquiries : XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX  , XXXX XXXX, XXXX XXXX , XXXX, XXXX/XXXX, XXXX   XXXX, XXXX.
Consumer complaint received 2022-03-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (AZ)

In both XX/XX/2022 and XX/XX/2022, along with numerous times in the last couple of years, Navient and XXXX XXXX ( a subsidiary for Navient ) has been charging interest on all my students loans throughout this COVID situation. Several 10 's of thousands of dollars. I disputed this on my credit reports and without my knowledge, authorization, permission, or my signature, they put every single one of my loans into in school forebearance. 
There are many problems with this : I am not in school. I did not request this. This was done without my knowledge or permission. 
Because of their actions this caused my credit score to drop over 150 points. I have been in an IBR for several years now, and this probably just messed all of that up, let alone any chance of public forgiveness in which I am currently try to obtain.
Consumer complaint received 2024-04-11
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 (CA)

I did not make these hard inquiries! These are 3 of 13 hard inquiries ( across 3 bureaus ) made using my information that I did not authorize or request. I have been a part of 2 separate data breaches in the last few years and believe this is a result of that. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-06
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX 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 2020-06-16
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc. (DC)

On XX/XX/XXXX, I submitted a student loan refinance application to Social Finance ( SoFi ) after receiving numerous prequalified notices/promotions. The refinance amount is {$65000.00}. 

I am a current federal employee, making $ XXXX annually, and have worked part-time at XXXX XXXX 25-30 hours a week for six months, equivalent to $ XXXX annually. I have a XXXX credit score. 

They denied my application because I can not provide proof of having worked two jobs for a minimum of two years, thus they disqualified my part-time income for consideration in approving my refinance. I spoke on the phone with two separate people at SoFi, one being a customer service representative, and another being the office of the CEO. 

I can not overstate how ridiculous, overburdensome, and income-based discriminatory these qualifications are. I AM ONE YEAR OUT OF XXXX XXXX. How on earth would I have proof of two years working two jobs. Second, income is income. I have provided sufficient documentation to verify my part time income, which is being scrutinized for how and where it is earned. This is clearly a biased financing practice and should not be condoned. Third, the fact that I have to work two jobs as a government employee just to afford student loans to get a job that REQUIRED A XXXX XXXX, should speak volumes and should not be used to disclude me from access to affordable refinancing options that I am overqualified for given my history and income. I should not be required to provide a co-signer when I have no red marks to my name.
Consumer complaint received 2022-04-13
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. (NY)

I request that the following inaccurate items be immediately removed from my credit files. They must be removed in order to show my true credit history, as these items should not be on my report.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX, e-Oscar or XXXX XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXXXXXX XXXX XXXXXXXX ACCT # XXXX account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX XXXX XXXXCCT # XXXX account is not mine. Please delete XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete. 
XXXX ACCT # XXXX account is not mine. Please delete XXXXXXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXXXXXX XXXX ACCT # XXXXThe account is not mine. Please delete U S DEPT OF HOUSING ACCT # XXXX.The account is not mine. Please delete HUD TITLE I ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX account is not mine. Please delete Unknown ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete Unknown ACCT # XXXX .The account is not mine. Please delete.
Consumer complaint received 2023-05-25
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. (KS)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (GA)

My credit report shows an account from your company. In XXXX of XXXX, XXXX announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. Due to this breach I became a victim of identity theft. Under the debt collection protection act, I have the right to request and receive the validation of this debt. On XX/XX/XXXX I sent your company a debt validation letter requesting you to provide me with the following, A calculation of this balance, including the complete payment history on this account along with proof of the balance owed, Documentation that shows I agreed to pay this debt, with my signature and that date that I signed. The agreement that grants you authority to collect on this alleged debt as well as a copy of your state license including the license number. Your company has refused to respond to this legal request, I am for certain that I do not owe your company any money. For starters, I have never done business with you, in fact I have never heard of your company until having received this notice on my credit report. 

According to the FCRA regulations I may sue you in any qualified state or federal court, including small claims court in my area. It is a violation of the fair credit reporting act for you to continue to report this account to my credit report. If you refuse the removal of this account, I will move forward in filing a suit against your company. It has been well over thirty days which is the legal time frame by law that your company had to respond to my debt validation letter that was sent out on XX/XX/XXXX. My first step is filing a police report against your company. I plan to present this documentation to a judge in my area in 3 business days if this account is not removed.
Consumer complaint received 2020-06-16
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. (NY)

The payments on the student loan was deferred from XXXX XXXX XXXX  in XXXX, 2020 due to the current pandemic COVID19.  XXXX XXXX XXXX  still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XXXX, 2020 which was incorrect. There was no communications either through written mail or phone from XXXX XXXX XXXX  from XXXX, 2020 through XXXX, 2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted XXXX XXXX XXXX   stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and XXXX XXXX XXXX still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.
Consumer complaint received 2020-06-16
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. (NY)

The payments on the student loan was deferred from XXXX XXXX XXXX  in XXXX, 2020 due to the current pandemic COVID19.  XXXX XXXX XXXX  still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XXXX, 2020 which was incorrect. There was no communications either through written mail or phone from XXXX XXXX XXXX  from XXXX, 2020 through XXXX, 2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted XXXX XXXX XXXX   stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and XXXX XXXX XXXX  still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.