davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (WI)

I have been with US Bank for over 13 years. I have both personal and business accounts with this bank. For sometime the bank would processes and update transaction at midnight and they would come through out bank account in the morning. Transaction included debits on our visa cards, credit charges on our visa cards, checks and returns from others deposits and banking fees. I could log into my account in the morning and if my account was over drawn I could transfer money to cover these items. within approximately the last 6 months that bank is n't timely processing our account transactions any more. It is very costly to us and incurring more fees because the our scatter among a day or two full days after the transaction was processed. Even using my visa card the items come in 2 days after. Returns from customers are showing up two to three days later, causing additional fees to our account. They seem to also be processing items all at the end of the day right at closing time, so as to not allow us anytime to cover anything and therefore cause additional banking fees to be able to be charge. I find this frustrating to say the least. I ca n't control some of this including the return deposits we get back however, now with the delayed processing of US Bank I ca n't transfer funds to cover these returns either because they do it at the very end of the day and then charge the fee. What happened? How can the processing change and delay two to three day without letting us know. How come they are not entering things as the use to once it clears over time and have it show up prior to business hours in the morning so we can transfer funds to cover theses items. This is just XXXX more of those banking scams that allow them to charge obsorbert fees and get away with. I should be able to relay on a processing schedule that has been followed for years and not be bounced around with these types of changes and without notice.
Consumer complaint received 2021-11-14
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: CLGF Holdco 1, LLC (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-11-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

I never Received notification letter or mail from this company, PRESSLER Felt & Warsaw LLP About their actions however I just received a Letter stating they are representing XXXX XXXX.In there brief letter never stating what year this took place. I have no knowledge of this account DC # XXXX
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

This account was resulting from identity theft and disputed and removed previously now its cycling back on my credit reports. I would like the account to be deleted from all three of my credit reports. XXXX, XXXX and XXXX XXXX
Consumer complaint received 2022-05-20
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : XXXX XXXXXXXX
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I applied to rent an apartment at XXXX in XXXX XXXX while it was still under construction in XXXX of 2019. My application was denied and I never moved in. A few months later I noticed that I had a collection on my credit report for a security deposit for XXXX. I have disputed this item and had it removed from my credit report several times only to have Transworld Systems Collection Agency continue to put it back on my credit report. I am tired of disputing it and want it removed for good. I dont understand how they think I should pay a deposit for an apartment I never lived in. If their story is that the amount was to hold the unit, that would also be senseless because again, the building was still under construction at the time.
Consumer complaint received 2019-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I submitted my monthly payment on XX/XX/XXXX and used my bank account information for the payment. On XX/XX/XXXX my payment got rejected for an unknown reason. when I contacted the customer service on XXXX the person told me that my bank account rejected my payment. I call my bank right after that call and the representative from my XXXX XXXX XXXX bank confirmed that no transection was submitted from citizen bank. Then I tried multiple times to make payments online and for an unknown reason, the citizen bank online service blocked my XXXX   XXXX XXXX checking account numbers. 
I called again on XX/XX/XXXX and after explaining the details the representative submitted my payment again. 

The payment amount is XXXX
Consumer complaint received 2019-02-01
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. (WA)

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-12-16
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. (AZ)

NOTICE AND DEMAND This account is a corporate account with I, as a member of the corporate LLC. This information has been reported prior and was removed by the lender servicing company. However, there is litigation and this is reporting on my personal name and is erroneous reporting, and need to be deleted immediately, this is causing a hardship and there is liability looming.
Consumer complaint received 2022-12-20
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: Shellpoint Partners, LLC (IN)

In accordance with the fair credit Reporting Act Newrez-Shellpoint Account # XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I got a brand new XXXX XXXXXXXX card and I used it one time and I have been locked out of my account and I believe my accounts were stolen because my bank card also has a bunch of charges that I don't recognize. My email is also being weird.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2019-07-29
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: Auto Trakk, LLC (PA)

Autotrakk placed an Hard Inquiry on my credit file XX/XX/2018. Requested company to supply information reasonings of hard inquiry. Company stated inquiry will be removed and still remain on my XXXX report.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

XXXX alerted me that XXXX opened a credit file on me twice since XX/XX/XXXX. I never requested products or services from XXXX. The only option for resolution was to send an email to XXXX, which I did on XX/XX/XXXX. XXXX should not be able to open such a credit file without a request from me. I fear someone else may have done so fraudulently.
Consumer complaint received 2023-01-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (FL)

I've been traveling outside of the country for some years now. And for some reason I checked up my credit and its been a lots of negative in there, Which I did not commit. 
I believe my name has been use in fraudulent activities, I want to get my credit back on track so I can organize my life. It has been a disaster for me to get anything under my name because of my credit. Student Loans, Credit cards and etc. I wonder how I can get some help please.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (CA)

XXXX XXXX XXXX Reported on XX/XX/XXXX ITEM IN DISPUTE XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy There were fraudulent charges made on this account. 
The " Account in Dispute '' remark is missing or incorrect. 

Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute XXXX : XXXX XXXX was closed in XX/XX/XXXX. Amount of {$660.00} to be removed due to incorrect/ fraudulent collections/charges. 

Dispute XXXX : XXXX XXXX XXXX is fraudulent account for Western dental was paid through government health insurance XXXX. Amount for {$490.00} to be removed due to fraudulent collection/ charges
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (AR)

XXXX XXXX XXXX  AND XXXX XXXX ARE IN COLLUSION WITH EACH OTHER AND PULLED XXXX KNOWING IT WAS BLOCKED. VIOLATING 15 U.S.C. SECTION 1681G OF FCRA AND DODD FRANK ACT. XXXX XXXX XXXX AND XXXX XXXX XXXX SEE ATTACHED
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I had multiple removals on my credit report and then noticed that a few of them had been reinserted without notification within 5 days via mail that this had occured. I require that these reinserted unverified items be permanently removed as this is in violation of section 1681 of the FCRA. An online alert letting me know 2 weeks after reinsertion is NOT sufficient and this must have occurred via USPS mail. No notification via mail was received and these items must be removed. 
On XXXX XXXX XXXX I only had XXXX negatives remaining after the rest had been removed : Vertans admin ( XXXX ). 
On XXXX XXXX, there were now XXXX accounts : XXXX, XXXX ( XXXX ), XXXX On XXXX there were now XXXX accounts again : XXXX, XXXX, XXXX, XXXX ( XXXX ) This is an illegal practice and these items must all be removed.
Consumer complaint received 2019-11-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Financial Assistance (MI)

Student Loan Financial Assistance called about my son 's student loans. He had some personal issues and dropped out of college and wasn't working. This company Pretendending to be a government agency said no problem they can set up a repayment plan. {$110.00} for 4 months the {$77.00} a month for 9 months. After about 7 months I received a letter from a collection agency because Student loan Financial Assistance wasn't paying on my son 's school loans. That's when I realized i was scammed. They even had control of the id and password at https : //myeddebt.ed.gov/borrower/leftMyAccountMenuLoginAction.action. I emailed them and said i no longer want to pay into there payment plan. That was about a month ago. Now again they are E-mailing my Son. They want to help him get on a payment plan. We haven't contacted them and won't be. I did ask them to send my money they got from me back ... nothing.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore loan management services has been sending letters saying we are in default of our mortgage. The most recent letter is dated XX/XX/2015 and states that we are in default as of XX/XX/2015. Obviously, this makes no sense. Additionally, according to bank records the mortgage payments sent to Rushmore have been cleared every month since we've had this mortgage. This letter dated XX/XX/2015 is the XXXX letter we've received. After the XXXX letter I called the company & they said they would take care of it. Today I was told that they couldn't talk to me because I'm not my husband! I am concerned that this will affect our credit rating.
Consumer complaint received 2019-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/XXXX I was involved in an auto mobile accident that ended up a total loss for the used XXXX XXXX XXXX loan. I was deeply injuried but I had to leave the next buisness day to arizona for a work project. I submitted all necessary statements and paperwork to the insurance same day. My insurance at the time and still is XXXX XXXX as I have full coverage and gap insurance provided through nissan for peace of mind in which I paid top dollar for, never payment missed. The insurance gave a huge run around not wanting to do the leg work to process this claim effectively and efficiently. They didnt even get out to XXXX, fl where car was transported to look at it to clarify it a total loss till aftet a month. Finally they reported a total loss to nissan but nissan still needed paperwork and to be paid so they could clear my payments. I had to do all the faxing, preparing, and paperwork for both companies speaking hours at a time daily just to get these companies to process the gap so nissan would stop billing me. The same company nissan and location as of XX/XX/XXXX put me in a new XXXX XXXX XXXX and payments were higher because gap insurance still didnt clear off my credit even though it was being processed and bills paid on time and in compliance followed. They have reported my debt to credit charging my gap insurance paid never missed a payment XX/XX/XXXX loan for the amount of XXXX charging me from XX/XX/XXXX through XX/XX/XXXX of me not having the car and both companies in communication. I pay top dollar and bought several vehicles through nissan and have a huge family account there. I need someone to help clear this off, its not valid
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NE)

A check for over XXXX that was improperly endorsed was allowed to be withdrawn from my account and not paid to the company the check was made out to. They said they found the money and it would be in my account XX/XX/2019 and it is not. Now I can't log into my account from home. 

Us bank XXXX XXXX XXXXr XXXX ne XXXX XXXX is the direct line to the gentlemen I spoke with yesterday. 

XXXX XXXX
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP (FL)

Collection agency and law firm repeated harassment and motion for civil action on an issue that I have repeatedly requested a statement of balance, interest, and fees owed on the alleged debt with XXXX XXXX, copy of the original signed contract. To date I have not received a response.
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: HireRight Solutions, Inc. (PA)

They said I lied on a job application saying no to being a XXXX and I got denied work. I did get charges but I have not pled guilty to them and I am not a XXXX yet. My attorney has already got all charges dropped but XXXX and I 'm still going through the process of getting the last XXXX dropped. The hireright company that claims that I am a XXXX also sent documents that there was no court sentence. If I was XXXX there would have already been a court sentence.
Consumer complaint received 2019-01-31
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: EQUIFAX, INC. (CA)

Equifax /XXXX /XXXX credit reporting manipulation they state the alleged account is paid charge off in XX/XX/2019 But I never paid the alleged account because its not mine { this paid charge off will stay on my credit report and is not accurate Enclosed are Facts from Equifax /XXXX  that show the statement Im making is true.XXXX  even when as far as lying to the CFPB in there response and Equifax after that RESPONSE DID NOT REMOVE THE ACCOUNT [ ENCLOSED IS A LIST OF DOCUMENTS I REQUEST FROM EACH COMPANY but they just send template LETTER BACK IN RESPONSE contact furnisher } I will subpoena the documents if need be, I want in conclusion a copy of receipt I made the payments they claim. Again credit manipulation { truth in accuracy in there reporting
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

Commenity Bank who who finances the XXXX XXXX is making repeated calls, upwards of XXXX in a single day. They are also calling before XXXX and after XXXX XXXX CST at night.T harassing calls are continuing. 
The most recent calls coming in dated ( I have submitted some screenshots ) to support my position XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX They are interrupting me at work, and I work in the field working with large machinery. This is causing distraction and potential for mistakes on my job to the extent that lives could be lost. 

I set up a payment plan in XXXX of XXXX for XXXX each month on a forgivenss program and to straighten out my credit. They continually lose the information. 

The keep calling and asking for more information, new bank account numbers etc. They have admitted while on the phone that I am on a payment plan but that does not stop them from calling. I have a new plan set up for the same amount. These transactions are listed below. 

The payments have been made to Commenity Bank on the following dates. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I can provide bank records for this too but you state not to include personal info.
Consumer complaint received 2022-12-20
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. (TX)

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (NY)

I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX