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: 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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2019-11-27
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: EQUIFAX, INC. (NJ)

I AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX ( XXXX XXXX ), IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.
Consumer complaint received 2022-12-22
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: LEXISNEXIS (GA)

Contacted LexisNexis multiple times to request a copy of full file disclosure, security freeze, permanent opt out, extended fraud alert and consumer statement. While viewing file it was discover that LexisNexis is reporting information in file for XXXX different social security numbers. I have requested that files are separated, updated and filed a dispute. Company has been supplied with a copy of driver license, utility bill, police report and social security number. Requests XXXX plus old and another request was submitted on XX/XX/2022 case no. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Contacted LexisNexis again on XX/XX/2022 spoke to agent XXXX id : XXXX file dispute and request to separate files, XX/XX/2022 XXXX ID : refused, XXXX ID : XXXX and XXXX ID : XXXX who all refused to assist me, stated that I could not be authenticated, refused to provide any and all information : confirmed documents and continued to refuse to honor docs, refused to escalate call to supervisor and disconnected calls.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I set up an account on line and added XXXX XXXX XXXX, their address, account number etc to my wire contacts and wired. XXXX to them for a purchase. Because Wells Fargo will only let clients wire XXXX a day, max of XXXX a month, the next day, XX/XX/XXXX,  I wired XXXX to XXXX XXXX XXXX. My on line account was immediately frozen and I was told to call their “XXXX” number. I did. Explained my situation, confirmed my DOB, las 4 of my Social, my address, the amounts paid and to whom and the person told me she could not unlock my account and that I works have to go into my local branch. I asked to speak to a supervisor. After holding 40 minutes, a supervisor came on the line and I confirmed the exact same things the first associate asked me. She asked me what my purchase was for and ITold her it was none of her business and it’s my money in my account and to please unlock my account. She indicated to me that she would not unlock my on line account if I didn’t tell her what the money was for and I would have to go to my local branch. I then called my local branch and talked to a manager. He tried to walk me through resetting my password as I was locked out and it wouldn’t work. I went into my local bank on XXXX XXXX, CA, and a young man by the name of XXXX XXXX helped me. He was transferred a couple of times, giving my account number each time, and then eventually that he confirmed my existence by my CDL and advising I had my debit card and the lady on the other end of the phone asked to talk to me. She asked me all the verifying questions again and asked what XXXX XXXX XXXX was and what my purchase was for. I told her it was a business and my purchase is none of her business, it’s my money and to please unlock my account. She again said she would not do that unless it told her what the business was... and then led her to XXXX it and she said she would not and would not unlock my account. I then asked XXXX XXXX if he could wire the XXXX to XXXX XXXX XXXX she he said he was and he was so sorry and there is no reason I should have to explain my purchase to anyone.My husband then got involved and called a gentleman by the name of XXXX XXXX, a DM at Wells Fargo. My husband explained the situation and Mr. XXXX indicated this was not correct and for me to find out who the DM was in my area and to call him/her for a resolve. I called my local branch and found out the DM in my area (XXXX XXXX, CA) was XXXX XXXX @ (XXXX) XXXX.  I called that number and explained all of the above. The receptionist apologized for my experience, took my bane, account number and phone number and said I would get a return call...u have not received a return call. Please help meXXXX XXXX(XXXX) XXXXXXXX XXXX XXXX XXXX, CA. XXXX
Consumer complaint received 2019-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Action Financial Services, LLC (GA)

The federal loan company has turned over my student loans which went into default to a collection agency Action Financial Service LLC And I’ve had the most difficult time reaching them. I would like to get my loans out of default and start building myself back up but no one is answering me no one is reaching out to me if you check the reviews of this company, I’m basically doomed
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

I have reached out to the Dept of Ed XXXX to get a copy of my original contract showing I took loans out. I told them I have been.a victim of Identity theft and victim of domestic abuse so many of the loans or items on my credit was mostly likely not me. I sent the letter back in XXXX and still haven't received a response. Also, called them at XXXX couldn't provide me with the contract. 
DEPT OF EDXXXX Acct XXXX XXXX Amount : {$6500.00} XXXX XXXX XXXX XXXX OF ED/XXXX  Acct # XXXX Amount : XXXX XXXX XXXX XXXX OF ED/XXXX  Acct # XXXX Amount : {$5300.00} XXXX {$5300.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$3500.00} XXXX {$3500.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$2200.00} XXXX {$2200.00} XXXX XXXX  XXXX  Acct # XXXX Amount {$9700.00} XXXX {$8600.00} XXXX No contract with them. I called and wrote a letter and haven't received any thing back from the company. 
LVN Funding Acct # XXXX Amount : {$1000.00} XXXX {$1000.00} XXXX  There can't be an open account as a collection that is a violation. Also, this company hasn't sent any proof of contract or proof that I had any accounts with them.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

Jefferson Capital is a debt purchaser. Initially they had two amounts reporting as delinquent on my credit report from XXXX: $XXXX and $XXXX for the same date.  I filed an official dispute; the results said the debt was verified as accurate but that is incorrect. I contacted Jefferson and spoke to XXXX—op #XXXX.  She said the $XXXX   would automatically be removed but I had to speak to a second operator for the other amount. I spoke to XXXX—op #XXXX.  She referred me to Supervisor XXXX XXXX who said the other charge would be removed and updated on my credit report within 30 days.  I told him the erroneous charge had prevented me from obtaining a mortgage to purchase a home and I wanted it in writing that the fake debt was removed. I just got an update on my report.  Instead of the bogus debt being removed, another late payment has been falsely reported. I was on a payment assistant program through XXXX XXXX for XXXX.  The account was reconciled every quarter and I was notified of my portion still owing.  I paid the bill and even included a screenshot of my bank account substantiating the payment had been made.  I did inform Mr XXXX that I would report the fraudulent charges to the Attorney General if they weren’t promptly removed.
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (AZ)

XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by Sterling JeweIers INC Kay this debt has been paid in full and they will not get a XXXX more of my money. I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Sterling JeweIers INC Kay inquiry to determine why the debt is on my credit report. I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2021-12-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: M&T BANK CORPORATION (PA)

XXXX XX/XX/XXXX : I phoned M & T Banks credit dept. @ XXXX to enquire about a pre-approved offer for a personal, unsecured loan. In the course of our nearly XXXX conversation, XXXX ( XXXX XXXX ) neglected to communicate that an application for this service would automatically be denied in the absence of any residual income and/or employment. When he asked if I were employed, I told him that I was NOT. XXXX proceeded with the loan application survey anyhow. I offered up my vehicle and IRAs as collateral, and thought of every imaginable asset I have ( e.g. an antique chandelier ). At the end of the call, XXXX rambled off a series of terms and disclosures, which I could not possibly understand. I indicated as much. While I dont exactly recall if or what his answer was, I do know that I affirmed whatever information I provided XXXX XXXX for the financial inventory, was accurate and true to the best of my knowledge. That being said, I did not explicitly give my consent to the release of personal information, nor pulling my credit history ( file ). 
XXXX XX/XX/XXXX : I initially contacted M & T Bank @ XXXX to check on my applications status. XXXX ( XXXX XXXX ) told me it was awaiting income verification, and I reiterated that I wasnt employed. I asked if I could change the amount of credit requested, thinking that a lower figure would increase my chances of approval, but XXXX informed me that my loan application would automatically be denied without employment and/or residual income. I then asked to speak w/her supervisor, and was eventually put in touch wXXXX ( NMLS XXXX XXXX. XXXX said she needed time to review my phone call wXXXX, and told me she would get back to me by 5 that afternoon. After hearing nothing by 5, I phoned XXXX to see what she found out. XXXX deferred an answer to later that evening, or @ latest the following day. She committed to escalating the matter to management for further review, and said XXXX XXXX would take over. I asked XXXX why the delay in a decision. She said it was up to XXXX/management to determine whether or not to remove the hard enquiry incurred from my credit file/report. 
XXXX XX/XX/XXXX : I called XXXX back @ XXXX, after missing her early this afternoon, only to be told that request for removal of the enquiry had been denied.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NM)

Shellpoint became the loan servicer on XX/XX/XXXX [ Ex. 1 at p.2. ]. Shellpoint did not provide timely notice of transfer of servicing to the borrower at the address listed in the mortgage documents. Instead, on XX/XX/XXXX, Shellpoint sent a notice to an unknown address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NM XXXX ) [ Ex. 1 at p.1. ]. Shellpoint knew the actual property address was as identified in the same notice at Property Address : [ Ex. 1 at p.2. ]. Thus the borrower did not receive notice that servicing was transferred to Shellpoint. 12 CFR 1024.33 ( b ). 

Shellpoint posted the specified address for Notice of Error and Information Requests on its website [ Ex. 2 ]. 

On XX/XX/XXXX, Shellpoint received the Borrowers Notice of Error at the address it specified [ Ex. 3 ]. Shellpoint did not provide an acknowledgement of receipt within 5 days. Shellpoint did not respond at all to the Notice of Error. 

Notwithstanding the aforementioned failures, the Borrowers Notice of Error asked Shellpoint to investigate the following additional 13 errors identified in the full complaint attached hereto. The borrower request written accounting for each error.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent a letter in XX/XX/XXXX and XX/XX/XXXX advising that I obtained my credit reports from all 3 credit bureaus XXXX XXXX and Experian advising that I found inaccurate information on my credit report about my name address, and birthday. I asked that you remove everything that was not listed on the verification documents I sent in which were my Driver 's license, social security card, and a piece of mail that had my current address. All old addresses needed to be deleted as they aren't accurate.
Consumer complaint received 2021-12-23
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. (FL)

I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the credit reporting agencies ( XXXX, XXXX, and Experian ) my FTC reports regarding accounts from identity theft. I am demanding a BLOCK and REMOVAL of these accounts pursuant to 15 USC 1681c-2 that states a credit reporting agency shall delete information from the consumer 's file that a consumer has identified information that resulted from identity theft, no later than 4 business days. The following accounts are still being furnished on my consumer report that have resulted from identity theft : XXXX. XXXX & XXXX - XXXX, XXXX & XXXX XXXX XXXX, XXXX. XXXX XXXX - XXXX, XXXX. XXXX XXXX - XXXX. 

The credit reporting agencies are in direct violation by continuing to furnish these accounts pursuant to 15 USC 1681c-2.
Consumer complaint received 2019-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

After getting a alert from my credit reports I noticed a debt that I know nothing about and contacted the collection agency Credit Collection SVCS and never received any verification that this fraudulent debt belongs to me AND THEY REFUSED TO SEND ANY VERIFICATION!
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : 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 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have submitted confirmation of payment on accounts listed unpaid on my credit to Equifax, XXXX and XXXX SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors. Creditors:XXXX XXXX/XXXX- paid in full XX/XX/2018XXXX XXXX XXXX- settled and paid  on XX/XX/2018XXXX XXXX-settled and paid on XX/XX/2018XXXXThese accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.
Consumer complaint received 2024-02-20
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. (GA)

I have never heard of this company. I have never spoken with them or did business with them im asking for a immediate removal from my credit file as this is causing a major hardship within my credit. If this is not removed I will file legal action.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative.
Consumer complaint received 2019-07-21
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

To whom this may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless U have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter.Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report`. 

I thank you in advance for your cooperation and hope to hear from you soon.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX