davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
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. (SC)

Equifax continues to report inaccurate unverified charge off on my credit report from XXXX XXXX and XXXX XXXX. I requested through certified letters their METHOD of verification names and phone numbers of individuals reporting the negative data on XXXX XX/XX/2018 and Equifax still has not responded to my request but continue to report the inaccurate unverified charge offs. Equifax had to correct MIXED items on my file in the past would you please assist me with this issue.
Consumer complaint received 2018-09-13
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: Kimball, Tirey & St. John LLP (CA)

XXXX  failed to remove a fraudulent collections account from my report even though XXXX and XXXX both removed the account.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (MA)

I have presented Goldman Sachs Bank USA with disclosure of concerns pertaining the fraudulent use of my XXXX account. I have notified that I have been a victim of identity theft. Goldman Sachs has noted that I did not authorized the debit of my savings account in any form. 
The account was compromised and debits continue to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make debits to the account. 
I have presented my concerns once again to a XXXX, who did not address the concern of fraud and identity theft appropriately. I have requested that the monies that were debited from the account as a result of fraud be credited to the account. I have been able to regain online access to the account after requesting to have reset my username and password. I have presented the enclosed affidavits. There has been to this date no mitigation of losses. I request that you close the account as your poor practices have remain unable to support victims of identity theft and that you act appropriately conducting an investigation that considers the affidavits that I have been sent after your denial to my RegE claim. 


I request your understanding in resolving the unauthorized use of my information to request services and towards debits that I did not recognize. If you may offer the support that I need to resolve this matter, I would appreciate it greatly.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX I have disputed account which Transunion reported as late payment. I asked them to send me some kind of information as to why they say the account is verified, true and correct. But they failed to give me. The error has affected my credit score.CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-07-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (WV)

At the date of purchase, the interest on the contract was not explained to me as " simple interest ''. The company is now telling me that at the end of the loan, I will still owe about {$4000.00}. I have already paid, by my account, {$22000.00} for this car, 5 years into the 72 month loan. By their account, I have only paid XXXX. If I continue to pay this loan until it is completed, I would have spent {$33000.00} on a loan that was supposed to total {$25000.00} at the end of 72 months. The interest rate on the loan was 18.8 %, which was excessive to begin with. The price of the car when I bought it was {$15000.00}. I feel as though this company is loan sharking this loan, and I have informed them that they may pick the car up, as I can not afford to continue paying this amount for a car that was never worth that to begin with. Current XXXX value of the car is {$2000.00}.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Synovus Bank (GA)

XXXX refuses to add positive payment information regarding my account. They claim that first progress card asked them to delete this information. XXXX XXXX claims that XXXX blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to XXXX and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. Is states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-09-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

My concern is that Caliber Home Loans has allowed alot of time to go by to tell me that I do not qualify for a loan modification. I have been working with them for 2 years and just recently they advised that my Investor which is XXXX XXXX, will not allow me a loan modification. I dont understand why they would allow so much time to go by to say that when i could have been seeking other avenues. Now I am going to lose my home on XX/XX/18. Please help.
Consumer complaint received 2018-05-02
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: GUARANTEED RATE INC. (IL)

XXXX XXXX at Guaranteed Rate Inc has pulled my credit without my consent on XX/XX/2018. After he advised me that he pulled it i asked him why he did so without my consent, his reply was then QUOTE sorry for the trouble and good luck to you UNQUOTE. I asked him to make sure this doesn't show as a hard inquiry as i was shocked that he pulled it without my consent. I also asked if i should talk to someone else to have it removed.his reply was QUOTE Sure thing, i will look into it UNQUOTE.I asked him then to advise once done and have a letter send to me that it was taken care off, i expected something within 2 weeks. his reply then was QUOTE Again, good luck to you " Myname ''. I have always done good by you and did nothing wrong here UNQUOTE. since then i have reached out by phone and email to his boss XXXX XXXX and have never received a reply or call back.. I also had my attorney send a letter to XXXX at Guaranteed rate as well as XXXX, XXXX  and XXXX to try and have this removed. Neither XXXX or anyone from Guaranteed rate has replied, which in my opinion is very unprofessional from a company that claims to have the best mortgage experience on the planet. the unions have replied and mentioned that the inquiry removal needs to come from Guaranteed rate.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act, United States Department of Education account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-02-08
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-26
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2022-03-08
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: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-01-08
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. (MD)

Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's XXXX XXXX fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (NV)

On XXXX XXXX XXXX  I received a notification from my credit monitoring service stating a formal credit inquiry from Comenity Capital Bank was made showing that I applied for a credit card with a company called XXXX XXXX. 

Apparently, Comentity Bank is a company that provides credit information which is used by retail organizations to issue credit cards. In my case, someone fraudulently used my credit information to apply for a credit card. 

I was never contacted by Comenity Bank regarding this transaction. Further, they do not provide contact information to the credit reporting agencies so it has been very difficult to file a formal complaint directly to this company regarding their fraudulent activity. It is no wonder that Comenity Bank has an " F '' rating with the XXXX 

I never applied for a credit card with XXXX XXXX, but a card was still opened without my knowledge or consent based on information that a was provided by Comenity Bank. This is a fraudulent transaction. As a result of Comenity 's incompetence, my credit score was adversely affected.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX  on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XX/XX/XXXXhas failed to want to take this off of my report and says it should appear as two accounts and says that it's XX/XX/XXXX's fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter
Consumer complaint received 2022-03-08
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. (AR)

I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when equafax had a data breach
Consumer complaint received 2019-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

On or about XX/XX/2019, I contacted my student loan servicer, Navient, though Navient 's website, to switch the auto pay information on my two consolidated student loans to my new bank, to be effective with the XX/XX/2019 payment. I was successful in making this change through the Navient website. My monthly consolidated student loan payment with Navient has been {$230.00} since I consolidated the loans, well over a decade ago. 

On XX/XX/2019, I received a letter from Navient indicating that my loans had been " successfully enrolled '' in auto pay, and that my monthly payment would be {$230.00}, to be " automatically extracted '' beginning XX/XX/2019. ( Letter, Ex. A. ) On XX/XX/2019, I called Navient and spoke with a XXXX named XXXX. I told XXXX that there had been a mistake, that my normal payment ( {$230.00} ) ought to have been paid through auto pay for the XX/XX/XXXXpayment per my instructions, and that I was prepared to make a one-time payment to satisfy my monthly XX/XX/XXXXpayment. I further told XXXX that there was no justification for Navient to be recapitalizing any part of my loan, since I had timely given Navient the information to auto debit my XX/XX/XXXXpayment. XXXX took my bank information, and {$230.00} was debited from my bank. ( Screencap of bank website excerpt, Ex. B ). At the end of the call with XXXX, I asked her explicitly to confirm that going forward, my monthly payments starting with XX/XX/XXXX would be * $ XXXX as before, and not the higher figure Navient had quoted in its letter. XXXX confirmed this, and gave me the confirmation number # XXXX. 

On XX/XX/2019, I received an alert from my bank that Navient had auto debited my account in the amount of {$230.00} -- the incorrect amount reflecting an unauthorized recapitalization of interest. Upon checking Navient 's website, I noted that it still wrongly reflected a recapitalization of interest of {$90.00} on XX/XX/2019, and also mis-accounted for the monthly payment made through XXXX on XX/XX/2019. ( Screencap of Navient website, XX/XX/19, Ex. C ).
Consumer complaint received 2020-07-29
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: DISCOVER BANK (CA)

On XX/XX/XXXX of this year Discover Financial did an unauthorize Hard Inquiry towards my credit resulting in the lowering of my credit score.  During that time my spouse did apply for a loan by herself only and as the sole applicant. XXXX XXXX her contact person for Discover said that due to her applying for a loan that they have to pull my credit also, which i strongly disagree with. Bottom line now is that they refused to remove the inquiry and that is why I'm asking for your help to intervene and make them remove the inquiry on my credit report