davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
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. (LA)

I am demanding a fair and lawful investigation into the attached accounts. I have tried to resolve directly with the companies but have not received proof that I own these accounts.
Consumer complaint received 2023-01-11
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please have these accounts corrected for once : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MT)

I have a student loan that I've been paying off since XX/XX/2007. I've never missed a payment. It was a 15-year term. I just got a message stating that a " periodic review '' ( which hasn't been done in at least 3 years ) discovered I have 4 months to pay the remaining {$2400.00}. 

This takes my monthly payment from {$75.00} to nearly {$600.00} for absolutely no good reason. I have followed their payment schedule, which apparently was not calculated correctly. 

I called Nelnet, no justification given.
Consumer complaint received 2020-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (PA)

Account has been closing due to a new address changed since XX/XX/XXXX for fax or send they received one on XX/XX/XXXX I have been calling every day. The one they received on the XXXX they said it was not valid and I was not informed until I called on the XXXX Of XXXX that the fax I sent in on XXXX XXXX was not valid I sent a fax on the ninth or the XXXX the XXXX if youAnd the first my card is not active and I keep getting different time frames nothing has been done
Consumer complaint received 2020-10-03
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. (LA)

I am demanding a fair and lawful investigation into the attached accounts. I have tried to resolve directly with the companies but have not received proof that I own these accounts.
Consumer complaint received 2020-09-25
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. (OH)

i was denied an apartment because of wrong information reported on my XXXX  report and Experian credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX XXXX and XXXX i spoke with the credit agency national credit and they stated i owe nothing i noticed that they have a XXXX XXXX that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX  and experian three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 2023-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV INC. (AL)

So I got paid on the XXXX of XXXX and after I wanted to deposit all the money to my bank so I deposited XXXX and after I think I missed typed my bank account # or routing number but it allowed it to go through as if it linked up with my account so I went ahead it told me 1-2 days but like I said after I realize that 2 days have already passed and I havent seen it. My money even now I just manually fixed it with the right number but Im putting in a complaint just in case it doesnt work because money network also implied that the new account information would only work on my next payment or transactions but Im broke now so!!! Fix it help me tnx
Consumer complaint received 2020-10-03
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)

The last four of my social security number is XXXX. Please investigate the following information. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. XXXX  # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX you have listed on my report and they also conveyes to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting. 

Thank you.
Consumer complaint received 2020-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200 or 100 which are XXXX.
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (VA)

i have recently contacted this company and inform the that the debt that they say i owe is not mines i also have sent letters out saying this debt is not mines i need this debt remove from my credit report ASAP if this continue i will have to use legal action and i dont want this to go that far please contact all credit bureaus and like them know the debt is not mines
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/25 I received an email indicating my credit card at BOA was closed on XX/XX/25, without any advance notice. Additionally the same day of notice XX/XX/25 I could no longer sign into my account on the merchants website. 
Due to COVID19 I have not being using the credit as that would increase debit which has a high level of risk during the pandemic as we all have risk of job loss.

BOA decides to close the account for non-usage and now that will impact my credit report and my credit score. I pride myself to maintain XXXX debt and an exceptional credit score over XXXX. However, now Im at risk due to BOAs decision to close my account.
Consumer complaint received 2022-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

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 investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Consumer complaint received 2020-09-25
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (TX)

My account manager was so rude. His name is XXXX. Every time he picked up the phone he was always huffy and puffy, literally answered like he was tired of being there. Ive only spoken to him 3x and EVERY single time I called he has always been so rude. He doesnt offer any solutions nor does he have any compassion, not asking for him to break the law- asking for him to care about the people he collects from seeing they he gets a piece of commission from the people that pay. Got ta get rid of this dude or do better at training- I would have paid in full a long time ago but XXXX ; the fact that I have to pay with him- knowing he gets commission off what I owe. Hope he enjoys it! Please reach out to XXXX from national credit system, super nice guy, definitely want to ask for him.
Consumer complaint received 2020-09-25
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. (AZ)

Hello, I have reached out to TransUnion on 3 different occasions to get my credit inquiry and 2 accounts removed from my credit report that do not belong to me.

I filed an identity theft report with the FTC ( FTC Report Number : XXXX ) XXXX. 
I forwarded this information along with a dispute letter to TransUnion and was told the accounts were verified. I included a copy of my ID and social security card to prove my identity as well. The 2 credit card accounts that are causing me a lot of problems are from XXXX and XXXX XXXX. Both have been closed and charged off on my credit report causing me serious credit issues. 

I just recently received another letter from TransUnion stating that inquires remain on my report for 2 years. In my letter I specifically asked them to provide verified information that I ( the consumer ) gave written permission for these inquiries. As stated in section 604 of the Fair Credit Reporting Act 15 U.S. Code 1681i.

TransUnion failed to provide this information and sent back a generic letter stating how long an inquiry should stay on the report.

In regard to the 2 credit card accounts Trans Union stated the information was indeed verified providing any type of proof on how these two accounts were verified and proof of my signature signed to authorize the use of these accounts. 

Creditor : Inquiry Date XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am at my wits end with Bank of America and I need assistance ASAP! 
I filed the following CFPB complaints : 1st Complaint - XXXX 2nd Complaint- XXXX The first complaint was closed and should NOT have as it has not been resolved. 

I initially called BofA on XX/XX/2020. I spoke to a young lady that I felt didn't know what she was doing. When I spoke to her, I told her that there were 26 Charges to Element Colors ( From XXXX XXXX ) that were FRAUD! A total of {$2500.00}. I also informed her that a charge for XXXX for {$2000.00} was also fraud. She advised me that she would report all of the charges and an investigation would be conducted. Fast Forward to today .... I have received credit for the XXXX charge and received a letter dated XX/XX/2020 informing me that the charge has been deemed as fraud. I have also confirmed the XXXX charge has been credited. MY ISSUE now is that the letters I have received mention NOTHING about the 26 Charges to Element ( made in XXXX XXXX ). These ARE NOT my charges and need to be credited ASAP! This is ridiculous! I need for BofA to conduct an investigation and issue a credit for the Element Colors charges ASAP. The letter from BofA dated XX/XX/2020 says there are no other claims, which is INCORRECT! BofA needs to pull the call I made on XX/XX/2020 to confirm this! I talked to the young lady for over an hour and she confirmed she would file a claim for the 26 Element Color charges and the XXXX Charge. I am starting to think that she did not follow through and that is NOT my error! BofA PULL THE CALL and do your JOB and Fix this! 

I also called BofA at XXXX today and waited on hold for an hour and a half, then received a message that the office was closed. I am frustrated because I reported these charges from XXXX XXXX and I am tired of waiting. I need this money! Please have BofA pull my initial call and conduct a proper investigation. This is a Regulatory bank violation and I am about ready to get a lawyer.
Consumer complaint received 2020-10-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

To whom it may concern, This is the second time I am filing a complaint about this mortgage company. The last one filed was XX/XX/XXXX and was resolved around the beginning of XX/XX/XXXX. COMPLAINT ID XXXX. I am hoping that your agency still has that on record. Once they sent letters to you and myself, things were fine for a couple of months. Starting in XXXX though, it all started back up again. I was getting mail notices and phone calls saying that I was behind on my mortgage, however I am not! I have made numerous attempts to contact XXXX XXXX who had been my point of contact but is no longer, as far as I can tell. Today when I went to pay my mortgage online like I normally do, Shellpoint has blocked me from making a payment, this also happened prior to my last complaint. I am also blocked from making a automated phone payment and when I call the company, I am directed only to what I assume is a new point of contact who does not answer and possibly has a full voice mail. I have been told by the company that because of the type of loan I have, their system does not recognize it and so payments are not applied to the remainder of my loan. They did though say in writing to you and myself, that this would be resolved ( XX/XX/XXXX ) after many attempts to contact him, on XX/XX/XXXX I did receive a response email from XXXX XXXX stating that he would add in additional comments to my account, which should straighten things out. Apparently that did not happen as I am now blocked from making payment. I am at a loss and beyond frustrated with having to deal with this and it's now been almost a year, since it all started. Their next move, if it is to be like last time, will be that I get a letter from an attorney about foreclosure. This is truly unacceptable, my credit has been affected and well I am very tired of having to spend so much of my time either trying to call them, emailing with little or no responses, answering their calls from the people they hire to call to tell me I am behind in payments, when I am not, and writing letters of complaint. I can not stress enough the fact that I have not so much as been late on any payments in the past 10 or so years. Please help me.
Consumer complaint received 2020-10-03
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. (TX)

I had a total loss fire on my equipment. I immediately filed claim with my insurance company. This was in XXXX of XX/XX/2018. The finally paid my equipment loan off in XX/XX/2018. I couldn't continue my business without equipment to operate. The insurance company XXXX XXXX should have paid after 45 days. I had keep in touch with XXXX XXXX XXXX XXXX XXXX as well. They have my account listed as a paid charge off. XXXX XXXX and XXXX still have this as paid charge off.. This brought my credit score down XXXX points. Im just now getting it back. Not Fair Business. I bought insurance to cover me in case of loss. Instead I lost my business and my credit score.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2020-10-03
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. (TX)

I had a total loss fire on my equipment. I immediately filed claim with my insurance company. This was in XXXX of XX/XX/2018. The finally paid my equipment loan off in XX/XX/2018. I couldn't continue my business without equipment to operate. The insurance company XXXX XXXX should have paid after 45 days. I had keep in touch with XXXX XXXX XXXX XXXX XXXX as well. They have my account listed as a paid charge off. XXXX XXXX and Equifax still have this as paid charge off.. This brought my credit score down XXXX points. Im just now getting it back. Not Fair Business. I bought insurance to cover me in case of loss. Instead I lost my business and my credit score.