davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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 have been disputing for the removal of the fraudulent items that are still reporting on my Credit file despite the multiple letters and cfpb comlaints I have been submitting to the Credit Bureaus. It also has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. If the Credit Reporting Agencies claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I filed a complaint with CFPB. According to CFPB, they notified the company of the complaint on XX/XX/2022. XXXX, the company has 60 days to repond to complaint XXXX. Which it has been over 60 days. According to CFPB, the company final response was on XX/XX/2022. Therefore, all that I disputed in the complaint XXXX should be deleted from my credit report.
Consumer complaint received 2022-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Dear Agent, I want to file a complaint about CornerStone Education Loan Service. This organization is run by the XXXX XXXXXXXX XXXX XXXX XXXX. CornerStone services federal student loans for borrowers all over the country. First, my loans were transferred to this company in XXXX. I had trouble paying the loans and they never offered PSLF option or IBR options. From XXXX until XXXX, I was placed on Forbearance without any true explanation of the increased interest nor information about PSLF with IBR. I feel this was unlawful withholding of information for years. Had I known, I would not have accepted/agreed to Forbearance. Therefore, with this current student loan wavier I did not qualify for loan forgiveness. I worked in a nonprofit for 13 years. Once Cornerstone stopped servicing loans, I transferred to FedLoans. There I did my own due diligence and learned about IBR. As you are aware, the lawsuits and misinformation is true and real. 
Please search this company and seek justice for us students. What occurred when these companies took over the loan is not fair or justice. 
Please help many of us who were influenced into forbearance, to get that time back, and have forbearance count towards this wavier, so that we can qualify for loan forgiveness.
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance Collection Agencies, Inc. (IL)

Lack of upfront and honest communication in how to resolve any medical collection issues. Consumers are not being told that they might have various options in order to prevent any credit bureau reporting, that is negative to a consumer. After making several payments on this collection account, over several months this happens. I am reported to all 3 credit bureaus. After calling the collection agency about this they stated that I never asked about this specific situation. I want to know why they are not telling consumers first off any and all available options to resolve any collection issues!
Consumer complaint received 2022-02-27
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. (CT)

I sent a letter to equifax back in XX/XX/XXXX stating that I have unauthorized hard inquiries on my report along with the FTC report. I never heard from anyone. I called twice, once on XX/XX/XXXX and was told that they would remove these inquiries. I called again on XX/XX/XXXX and put in another dispute stating what I have been through with the other reps at equifax and he assured me that these inquiries would be deleted but they are still on my report. I really need help with this.
Consumer complaint received 2022-04-15
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. (VA)

On XX/XX/2022, I discovered that Equifax had an incorrect birth date ( XXXX ) on my account instead of my actual birth date ( XXXX ). I informed Equifax of this error. To correct the problem, I was required to send Equifax copies of my birth certificate, driver 's license, social security card and U.S. passport. The Equifax online portal would not allow these documents to be uploaded - I had to mail these documents to Equifax in XXXX, GA. 

I mailed these documents as evidence of Equifax the following day, XX/XX/2022. 

Equifax closed the dispute on XX/XX/2022 without waiting for the documents and did not correct my birth date. 

Equifax continues to put incorrect information into consumers ' credit files without verifying this information with the consumer... but then expects the consumer to regularly check Equifax 's records and go through excessive steps to correct Equifax 's mistakes.
Consumer complaint received 2022-02-27
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 sent several letters to Transunion regarding account with XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. I first let Transunion know that I never had an account with them. XXXX said that they verified the information. I sent another letter asking Transunion to re-investigate my claim. They sent me a letter stating that they reinvestigated and verified the information with XXXX  XXXX. I then sent another letter to TransUnion asking them to show me the process they used to verify this information and who at XXXX  XXXX  they spoke with to reach the conclusion that the information is verified, what documentation they received showing them that I was legally liable for this account, instead of showing me the information I requested Transunion sent me letters saying that the information was verified and other details to the account were UPDATED. As a consumer I have the right to a credit report that is 100 % accurate. The problem I have with Transunion is when I called XXXX XXXX myself and asked them about this account they told me that they dont know whats going on with the account and that they have never seen anything like this and gave me a different number for a different company and when I called them, they also gave me a different number and a different company. I then, at the same time I asked XXXX to verify my account, sent a CERTIFIED LETTER with a return receipt to XXXX. According to the letter I received and will be attaching with this complaint from XXXX, they also reached out to the supposed original creditor, XXXX XXXX, and : the creditor has NOT provided validation ... XXXX XXXX  company has submitted a record of deletion to the Bureau. This is evidence that Transunion has not verified the account with XXXX nor with the original creditor. Instead, they didnt do their job and continued to allow an inaccurate account to remain on my report. I expect this account to be deleted IMMDEIATLEY!
Consumer complaint received 2022-10-19
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. (GA)

I filed disputes and they closed on XX/XX/22, XX/XX/22, and XX/XX/22 regarding the same information : I filed a XXXX  XXXX bankruptcy on XX/XX/22, initially, I had signed a reaffirmation with XXXX bank because I was hoping to still be making enough money to support the loan. I realized in the next month it was not looking good for me financially so on XX/XX/22 we filed a notice of rescission of reaffirmation. I have not heard from XXXX XXXX, despite reaching out to them on several occasions, and on XX/XX/22 a surrender letter was filled out and sent to them. They requested the location of the vehicle, which was supplied to them same day as well as the facility gate hours, and to date ( XX/XX/22 ) it has not been picked up, I have not been contacted, and they have not updated to show it was surrendered. I have made several attempts to get my credit report updated but they refuse to update it and still show all months are past due and the amount it owed.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

This will be the same issue I have had a couple years ago when I contacted CFPB. For the past year PNC changes the order of posting and causes extra Overdraft fees at XXXX each. 
My account is listed as opted in. I know I will be charged if my account is overdrawn. But I don't feel I should pay EXTRA fees because PNC CHANGES THE ORDER OF TRANSACTIONS. 
In other words if you had 3 {$20.00} transactions in the clear and then you have {$100.00} last, PNC puts the XXXX first and then charges you FOUR {$36.00} fees. 
This is what they have again done to my account for the past year.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I thawed my credit report on XXXX I received a confirmation that my credit freeze had been lifted. I then applied for a loan at XXXX XXXX XXXX XXXX and was told my credit had a freeze on it with Expierian. I attempted multiple times to contact Expierain by phone but was unable to speak to a representative. I was trapped in a ridiculous AI phone system that spends you around in circles multiple times over the course of 1 1/2 hours. 
My credit has not been thawed and I can not get the loan I requested because the XXXX XXXXXXXX XXXX XXXX XXXX  have a XXXX grip on my credit report and refuse to answer the phone. 
I have now received a letter stating that I must submit multiple types of documentation to prove I am who I say I am that I already did to lift the freeze. 
Please help me escape the stranglehold the idiots have placed on my credit report. 
I will probably have to pay cash to escape the tyranny these XXXX on afflicted on me.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: National Credit Systems,Inc. (NC)

I just requested a credit report ... 
Background about me ... I have been in family courts for 9 years ... 
in and out of XXXX. Court - nowhere to turn for help ... 
My solution ... move to a new address, some place I felt safer ... 
The problem : Every time I moved, I broke a lease ( 2x ) ... this is now reflecting on my credit report. 
Additional info : My daughter was XXXX XX/XX/2014 ... I have had no contact with her since then ... 
I have been working hard to better myself since the abuse started ... obtained my XXXX in XX/XX/2014 ... graduated from the XXXX and left being XXXX XXXX ... 
Now I am trying to buy a home ... 
However, the XXXX places I moved from in the past, show up on my credit report ... 
What are my options ... 
Do I have any? 
Thanks. 
XXXX XXXX ( I have attached a copy of the document 'CreditIssues ' with the XXXX creditors listed at the bottom ( the XXXX is a mistake and I am getting it removed )
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

We filed the complaint # XXXX back on XX/XX/2021. XXXX Bank responded that the account was not opened since the country of XXXX is on XXXX restriction list!!!! 

However we have absolutely NO financial transactions with county of XXXX! Therefore we were puzzled why a legal US resident with Permanent Residency ( XXXX  ) Social Security and a valid State issued ID is unable to open a bank account! Our only fault is that " we were born in XXXX and now we are in the US to be near our beloved children ''! 

Thus we did follow up with XXXX XXXX XXXX at XXXXExecutiveOffice via phone and email and mail. During a telephonic conversation she acknowledged that the banker made an error assessing the situation and made a wrong judgement in this matter since all requirements to satisfy for an account had been met. In-fact just few days after we opened an account with XXXX which we have not had any issue with them what so ever! 

Ms. XXXX XXXX at XXXXExecutiveOffice assured us that additional investigation and corrective actions will be taken. However despite several voicemails that we have left for her and emails sent to her, we did not receive any responses from Wells Fargo. 

To us, this is a TRUE case of discrimination and it was evident to us that the Banker spent almost 2 hours making numerous phone calls just to provide a " NO '' answer to us! We could overhear his phone conversation that the other party on the phone line asked her " Why not open an account for them if they have all the documents? '' and he was replying " Because they are originally from XXXX! '' We are demanding XXXX to provide an official respond that : 1. What was the final conclusion of their investigation?

2. What has been the corrective action that XXXX has taken in this matter? 

This is not a situation that neither ourselves nor our children could forget nor forgive and we are also giving them ( Dr. XXXX XXXX and Mr. XXXX XXXX ) the full power of Attorney to conclude this matter if any unexpected circumstances arise for us. Our children and their young XXXX had to accompany us ( 2 elderly individuals ) at the bank in the middle of pandemic for 2 hours while the banker was making every effort to provide a NO answer!
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DC)

My mortgage company is Wells Fargo. I received a loan modification in XXXX XXXX for XXXX properties-my home on XXXX XXXX, XXXX XXXX and my rental in XXXX, XXXX. The loan modifications expired XXXX XXXX. I was still unable to pay the full mortgage and requested another modification, which was denied/ignored. I continued to pay the modified amount, but the difference between the modified amount and the actual loan continued to accrue. Finally, Wells Fargo contacted me and requested documents. I submitted pay statements and other financial documents. I was given a payment plan for the rental property only. I began to pay XXXX/month for the rental, which covered the mortgage and the amount in arrears. However, the mortgage payments were $ XXXX/month. I also requested a payment plan for my home in XXXX, but Wells Fargo did not give me a payment plan. In XX/XX/XXXX began to pay the full mortgage of $ XXXX/month and I requested a refinance so the the amount in arrears could be added to the end of my mortgage. Wells Fargo did not respond. Now, Wells Fargo is requesting the full amount that accrued when from XX/XX/XXXX to XX/XX/XXXX. They have never given me an opportunity to modify the loan or refinance the loan.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying remove this charge off of my credit report. This is not accurate and needs to be deleted off my account. The creditors are not doing their job and this is hurting my score and Im trying to start a business and get a home. So please help me out. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Consumer complaint received 2023-10-18
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. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NJ)

I received a Notification that a hard request for my credit file was made on XX/XX/22 by XXXXXXXX XXXX XXXXXXXX Located at XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX GA XXXX. I never gave this company permission to check my credit and did not apply to this company for a loan, credit card, or line of credit. This inquiry caused my credit score to decline by XXXX points. I contacted XXXX and filed a dispute stating it was either identity theft or a fraudulent transaction. They sent me an email stating their investigation was closed and the hard inquiry will remain on my credit report for 2 years. I want this item removed from my credit report.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRINITY HOPE ASSOCIATES (NC)

Trinity Hope Associates does the 3rd party collections for XXXX XXXX I have multiple charges for the same dates & amounts : XXXX21- date assigned XXXX21- date reported- three identical charges of {$29.00} There are two charges for {$180.00} within a month of each other
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

This is the second time this Account has be placed on my Credit Report as a Collection. The first time was in XXXX of 2021 by a company named XXXX XXXX. I disputed the item and had it removed and now as of XXXX XXXX another company by the name of Enhance Recovery Collections has again placed this account on my Credit Report as a Collection. Under Fair Credit Reporting Act ( FCRA ) once an account is removed from your Credit Report it can not be place on your Credit Profile again. I want this remove from My Credit Report or I will seek damages for ERC failing to comply and honoring my Consumer Rights under 15 USC 1692K.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!