davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

DP OF EDUC Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX  Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.
Consumer complaint received 2021-07-26
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. (TN)

On XX/XX/2021 XXXX XXXX  submitted me a contract of a vehicle loan under complaint XXXX-XXXX  this proves absolutely nothing and does not provide me with the documentation of FACTA 312 or UCC DEFICENCY INFORMATION AT ALL. I have attached exactly what documentation that needs to be provided or this will have to be taken further. Under UCC DEFICENCY this information was/is suppose to be provided to me as the consumer. Please see attached request. If this information can not be be provided then this needs to be REMOVED from my credit report because at that point XXXX XXXX is in direct violation of the laws. 

Thank You
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (ID)

I am asking to be removed from Macy 's account ending in XXXX. I have already asked Macy 's three times to be removed from the joint account with my ex-wife ( XXXX XXXX ). I sent Macy 's a letter on XX/XX/XXXX, again on XX/XX/XXXX and again on XX/XX/XXXX. All three times asking to have my name removed from this account. I have received two letters from Macy 's, one dated XX/XX/XXXX and the other dated XX/XX/XXXX. Both letters saying that Macy 's would investigate my request. This account was issued to my ex-wife and I on XX/XX/XXXX. I no longer live at the same address as my ex-wife. She and I are now divorced since XX/XX/XXXX. I wish to have my name completely removed from this account. I do not want to be held responsible for any charges to this account.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Presto Loan Center, LLC (AZ)

The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated TILA, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. Presto would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputed Presto 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.
Consumer complaint received 2023-03-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Demand statutory compensation of {$1000.00} and deletion of 5 bankruptcy accounts and XXXX XXXX reporting on my consumer report file. Transunion has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Transunion has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of 5 bankruptcy accounts and XXXX XXXX reporting on my consumer report file
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

As stated in numerous prior CFPB complaints filed since XX/XX/XXXX, a closeout check in the amount of {$4200.00} was not received, intercepted while I was on vacation. Prior to this, I deposited check into my XXXX account, now XXXX XXXX, on XX/XX/XXXX, left for vacation the next day. A stop payment was placed on check prematurely by Capital One rep, check reissued and sent XXXX next day. It was intercepted and cashed by another party, my signature forged, which I've detailed numerous times in prior complaints in re. An affidavit was signed, sent in to Capital One, did not hear back in re, reps do not have any information. The bank check was cashed at, XXXX XXXX, did not receive any information from Capital One and since reps on Capital One side refused to reach out to XXXX XXXX, I had to look up person whom cashed check and attempt resolution. I spoke with person at length, agreed to reimburse me but check provided did not clear my bank. Needless to say, I am still owed funds from Capital One.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my profound disappointment and frustration to follow up regarding the persistent presence of fraudulent items on my credit report. Despite previous complaints and attempts to rectify this matter, the fraudulent entries remain unresolved, causing significant distress and financial harm. 

As I have previously communicated, these fraudulent items are not only inaccurate but also detrimental to my financial well-being and reputation. Despite providing extensive evidence and documentation supporting my claims of fraudulent activity on my credit file, it appears that little progress has been made towards resolution. 


I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes decisive steps to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the concrete steps being taken to address the fraudulent items and a definitive timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and pursue legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Equifax : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXX/XX/2020 XXXX : XXXX XXXX XXXX  XXXX, AZ XXXX.
Consumer complaint received 2021-07-26
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. (TX)

DID NOT RECEIVE NOTICE WITHIN 5 DAYS of Determination as required by LAW.

This is my second attempt in communicating with your offices. In Exhibit A is attached the first letter sent.

All items in Exhibit B, C, D, E, F, G, H, I are invalid, innacuare, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating those non-complaint unverifiable accounts on my consumer report.

I have not received any confirmation on how these alleged accounts were verified attached in exhibits B, C, D, E, F, G, H, I and therefore request that you consider this as a final notice to your offices. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting.

I have not received confirmation or certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate of testimony that the alleged accounts presented in exhibits, B, C, D, E, F, G, H, I are in fact compliant and not subterfuge. 
****This entry is from Affidavit of Truth served to XXXX****
Consumer complaint received 2021-03-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

They said the bankruptcy on my report is accurate. There are no proofs that the court verifies it. I am asking for a documentation from the court not third party. I have a documentation from the court that says that they don't report to credit reporting agency. Then how it is verified.
Consumer complaint received 2021-07-26
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. (TX)

DID NOT RECEIVE NOTICE WITHIN 5 DAYS of Determination as required by LAW. 

This is my second attempt in communicating with your offices. In Exhibit A is attached the first letter sent. 
All items in Exhibit B, C, D, E, F, G, H, I are invalid, innacuare, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating those non-complaint unverifiable accounts on my consumer report. 
I have not received any confirmation on how these alleged accounts were verified attached in exhibits B, C, D, E, F, G, H, I and therefore request that you consider this as a final notice to your offices. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting. 
I have not received confirmation or certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate of testimony that the alleged accounts presented in exhibits, B, C, D, E, F, G, H, I are in fact compliant and not subterfuge.

****This entry is from Affidavit of Truth served to XXXX****
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kansas Counselors, Inc. (KS)

I have filed a FTC report letting companies know that I was a victim of identity theft. The company KANSAS COUNSELORS INC., have not removed their account from my credit, which is linked to the identity theft. After multiple attempts, they are still reporting and are violating the Fair Credit Reporting Act.
Consumer complaint received 2021-07-25
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: EQUIFAX, INC. (GA)

XX/XX/2021, I requested XXXX XXXX, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, Equifax by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.
Consumer complaint received 2021-07-26
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: ID Analytics, Inc. (NY)

I previously notified XXXX  thru the CFPB that I am a victim of identity theft, XXXX  responded that Fraudulent accounts were verified as accurate. I would like to know if a account is FRAUDULENT how is able to be verified. I stated that I am a victim of identity theft and I had nothing to do with the following listed on the FTC report
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (LA)

I got sick in XX/XX/XXXX, I wasn't able to pay on my student loans in XXXX of XXXX as a result of my illness. Because of my not being able to pay because of my illness I received late payments of 90 days. I disputed the information on my report with them and they are asking me tp provide proof of my illness and they will remove the negative marks from my report. I don't feel that I should have to send them my medical information for this to be removed. My medical history is protected by HIPPA laws. I would like for the information to be removed. Can your agency have this information removed from my credit report. ED Financial is the reporting agency. In summation when I read the terms of the credit report it states that a negative remark may stay on your credit file for up to 7 years. It doesn't definitively say the negative remark will stay for 7 years it clearly says for up to 7 years. So with that being said it has already been 4+ years on my report.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I just filled a report and cfpb said it was completed and gave me the next steps and I didnt get a confirmation email. I am just able to file another complaint because of the frustration. I have been complaining about TransUnion for years but they know cfpb does nothing but send them the complaint and they deny it and show no proof of any action to correct it. For years TransUnion had my birth date wrong and my name spelled wrong. As a result the had wrong information. I asked that they audit their information for all those years but they refused. As a result my scores there have always been well below the other credit scoring agencies. It only makes sense their scores would be more correct but TransUnions scores right now are more then 50 points below the others. Credit scores have all to do with your life whether you live comfortable or struggle. For years people of XXXX have been held down with credit scores. The Government should regulate credit scoring agencies because of how they control peoples lives. I am sure TransUnion discriminates against me and many others. I know they will deny this and come up with the different models excuse but that is exactly how they discriminate. This should be passed along to the proper agency for investigation
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX was my previous cable provider : account number XXXX.The account was paid in full before transferring to XXXX.I never received anymore bills after my last payment of {$370.00} on XX/XX/2017. Recently, after multiple attempts to get the last bill, Just received a XXXX bill of {$170.00} for XXXX XXXX that I do not owe. There is an amount of {$250.00} on my Experian credit report that Ido not owe negating my credit report. I would kindly like this information be deleted from my credit report.
Consumer complaint received 2018-06-28
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: EQUIFAX, INC. (NV)

I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt beauty school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted XXXX loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB XXXX is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. XXXX miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and Equifax has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I tried to make a payment for my Wells Fargo credit card but the website did not allow me to add the payment account and gave " account already exist ''. Though I have not added any account in past and my credit card itself was just 3 weeks old.

When I contacted their support, the rep said this has been reported to " TECH '' and will be worked out soon.

On XX/XX/XXXX I tried again and got the same error, and after calling to Wells Fargo got the same response that this has been reported to " TECH '' and will be worked out soon.

Today XX/XX/XXXX I tried again and got the same error " account already exist '' and due to this I can not make payment and Wells Fargo is not allowing me to make a payment and seems will put charges on my account due to non-payment.

I request CFPB to write and instruct Wells Fargo to provide a resolution and also not applying the non-payment charges to my account.
Consumer complaint received 2021-07-26
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. (WA)

Experian is incorrectly showing that I have a payment of over {$40000.00} per month!!! When the actual payment is less that {$300.00} per month and I have provided proof of this FACT, this is incorrectly showing my debt to income ratio is over 442 % thereby ruining my credit. All credit bureaus except Experian is showing the CORRECT payment. Its impossible to pay {$40000.00} per month when If owe that total amount. If the Experian credit report was accurate then I would pay {$480000.00} per year!!!!!! THIS IS AN ERROR!!! 
Please show what I pay monthly CORRECTLY. I have a court order proving this point. The next step will be litigation. Why has XXXX  and XXXX  accepted the TRUE facts and Experian has not. Experian is contacting child support and simply asking what they believe I owe but Experian is not accurately show my monthly payment that has NEVER been Late and NEVER been in collections as a missed payment. I DO NOT HAVE A {$40000.00} per month payment!!!!!!! Correct my TRUE monthly payment is all. To make matter worse this reporting is WAY past the statute of limitations and Experian is violating the FCRA
Consumer complaint received 2021-07-25
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. (MD)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.