davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 S ( 2 ) ( b ) .I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX XXXX/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (TX)

Inaccurate inquiries on my credit report. 

XXXX  XXXX  XXXX -Inquiry XX/XX/2020 XXXX  XXXX -Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX -Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX. I have never received any correspondence from XXXX XXXX XXXX. I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX refuses to comply. XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. I will continue to document my efforts to get this issue resolved and seek litigation if I need to.
Consumer complaint received 2023-03-31
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: TRUIST FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX un authorized hard inquiry on my report. Regional Acceptance XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXUN Authorized hard inquiry on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. UN Authorized hard inquiryon XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks, XXXX. UN Authorized Hard inquiry on my credit report.
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (NJ)

I am disputing an item on my credit report as fraudulent. I am disputing the account : XXXX XXXX Account # XXXX as fraudulent. This account was opened without my authorization
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (PA)

Original Creditor XXXX XXXX XXXX Collector is Radius Global the account was open XXXX XXXX the amount is for {$780.00} XXXX put in a fraud claim with XXXX and i also spoke to XXXX XXXX works as well as radius global i have no knowledge of this account please block and remove from my report.
Consumer complaint received 2022-07-23
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. (SC)

I sent a letter on XX/XX/XXXX to remove the unverified inquiries that reporting in my credit file. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any information/accounts/inquiries not later than 4 business days.Please find the required documents to assist in the blocking of these unverified inquiries which is being posted to my report. Here are the list of inquiries that I want to remove : 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 2022-06-15
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. (FL)

In Accordance with the fair credit reporting act XXXX account # XXXX, Account name XXXX XXXX  Has violated my rights. 


15 U.S.C 1681 section 602 A. states I Have the right to Privacy.

15 U.S.C section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Consumer complaint received 2018-12-06
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. (DC)

My loan payments were always sent on time. I keep explaining this to Equifax and XXXX  but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CT)

I charged a bed to my account and the bed was put up and defective the bed bottom is no longer intact and it would require building a new platform for the bed. This is the second defective item purchased from this company. We called the furniture customer service several times and have been on hold many times and finally was told the bed would be picked up that the arranges for a truck to pick up the bed because we paid to have the bed put together. The company never picked up the bed and I still have the defective bed that mattress can't be layed in because of the poor craftmenship of the bed. I also tried to dispute a charge made at a drug store for XXXX and that wasn't resolved either. This is costing me extra interest and money. I have to take the company to small claims to recoup my funds.
Consumer complaint received 2023-04-01
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. (FL)

I have an inquiry on my credit report from XXXX  XXXX  on XX/XX/2023. I've contacted them in regards to the inquiry that I never authorized. I've also reached out to Experian to remove this unauthorized inquiry with no avail.
Consumer complaint received 2022-07-24
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, and the XXXXXXXX XXXX  Account XXXX have 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 2022-03-02
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. (IL)

On XX/XX/2022 I sent Transunion a certified mail letter demanding they delete the XXXX tradeline off my consumer report I've sent letter after letter complaining about this situation providing proof from the Creditors stating that they are no longer collecting on the DEBT Transunion have violated my Federally Protected Consumer Rights and I need answers
Consumer complaint received 2018-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I consolidated my loan in XX/XX/XXXX after learning about pslfp XX/XX/XXXX believing my loan would be forgiven at some point. Now in looking at my loan, it isnt the correct repayment plan to qualify. I work in public service and knowing that I was consolidating my loans, I was never informed at the time that my loan would not qualify for any public service forgiveness. Navient/sallie mar have continued to withhold information which could have helped with my loan. Im now with a loan Ive paid several thousand dollars on and will receive no forgiveness. They mislead individuals or withhold information to line their pockets at the expense of customers. Very frustrated that I was not given any correct information or help when consolidating my loan in anticipation of forgiveness. I also do not believe they have applied my payments correctly
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (PA)

I tried writing this Collection Agency numerous times with the attached Hereto correspondence., The phone bill in question was paid in full before the collection process., I requested on two seperate occasions full Validation of the debt., All they provided to me was a copy of a phone bill., Under the Fair Debt Collection Act., I requested and did not receive the following An explanation of what the alleged account balance was for A calculation of the balance., Including the complete payment history on this account so that I have proof that this amount is correct Documentation that shows I agreed to pay this debt The agreement that grants them the Authoruty to collect on this alleged debt. 

A copy of their state license including license number
Consumer complaint received 2018-05-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Access Financial LLC (CA)

They continue to call me on my cell phone and at work. Yesterday they called my work 20 times and keep harassing the receptionist and refuse to talk to HR when she tries to forward them there. The man 's name is XXXX and I told him to only call me on my cell phone as I can not receive calls at work and have already been talked to by my employer about the phone harassment they have been receiving. He yells at me with vulgar language and threatens that he will have the judge garnish my entire paycheck.
Consumer complaint received 2024-05-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (CA)

I had identity theft and I reached out to this company and explained the situation and they asked me to send in documents I sent in everything that was requested plus more to show them this really is not my account. They responded by saying it is my account and XXXX responsible for paying in. I then requested their legal department info and they said they can not give it to me. These types of companies think they can do say whatever they want to us and its ok. Even though there violating my FCRA rights.
Consumer complaint received 2022-07-24
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. (NC)

I had a loan through XXXX XXXX XXXX with the Merchant named XXXX XXXX I had submitted a dispute as the merchandise was stolen and not received. During the investigation, I attempted to pay the installment, however, I was advised that during the dispute I could NOT make payments on the loan until it was resolved AND this information would NOT be reported to the credit bureaus. I checked my credit reports with all three bureaus and XXXX is listed negatively. The loan has been satisfied and I have been in constant communication with XXXX XXXX XXXX I am requesting for the negative items to be removed and to reflect the accurate, up to date information which is a {$0.00} balance.
Consumer complaint received 2022-07-23
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: BARCLAYS BANK DELAWARE (WA)

In XXXX XXXX received a notice form Barclay Bank of Delaware that my credit card was approved. I never applied for their credit card. I called their customer serivce and was told that there was no record of my account with them. In XXXX of 2022 I received a bill from Barclays ( the ONLY bill I ever received from them ) which was XXXX months overdue and they were charging a late fee. I contacted their fraud team twice. I disputed it with all XXXX credit bureaus, twice. I filed a police report for idently theft, which I sent to the credit bureaus and their fraud team. My credit report dropped significantly after being excellent for many years. They continued to send letters saying that they received the dispute but they had determined that it was my charge. One of the credit bureuas alerted me that a judgement had been filled against me by Barclay. I tried calling multiple court to get the details. I finally hired an attorney who sent them a letter in XXXX telilng them that it was idently theft. On XX/XX/XXXX I received another letter from them again stating that they had received the disputed but that they were correct and had placed a notice on my credit report. 
I am XXXX years and have always paid the bill which I actual owe on time. I have dealt with this for XXXX  months. I want this harassment to stop now!
Consumer complaint received 2018-05-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I previously reported to CFPB onXX/XX/2018with case number XXXX   vs XXXX XXXX the dba for XXXX XXXX. XXXX XXXX falsely claimed that they did not improperly report the open {$150.00} charge off for their credit card. When I attempted to call, the company gave me the run around and I was on hold for over 45 minutes without speaking with a human.

I now have the copy of all of my credit reports where I disputed that any balance owed to this company and/or its affiliates. This was a secured credit card which means I deposited {$600.00} and once I declared bankruptcy everything got paid off. Unfortunately, XXXX XXXX  continued to charge me late fees for a debt that was completely paid off and during the bankrutpcy which was in violation of 11 USC 362. I do not owe XXXX XXXX any monies and it is defaming my name by falsely stating that I owe any money at all. It is also throwing off my credit card limits making it falsely look as though I charge up cards and not pay them.
Consumer complaint received 2020-07-30
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION (FL)

Sallie Mae is a Scam the ask for many cosigners and all your information to denied and the interest rate is fraudulent they offer 1.25 % and you have 25 % charge in the account Is SCAM and they get all your and cosigner personal information fraudulent
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2020 I saw an offer on XXXX for an XXXX Mastercard ( offered by Synchrony Bank ) I believed to be very generous. " Receive a {$150.00} credit if {$500.00} is spent on XXXX in a 30 day period. Account must be opened between XX/XX/2020 and XX/XX/2020. Find out if you are approved in seconds ''. As a regular XXXX user and member I completed the online application to the final entry which asked for a phone number. A code would then be given for me to enter in the final part of the application. After providing a phone number, that code never came. After waiting a while I clicked on " cancel this step ''. 
A pop up then stated I would receive notification in 7-10 days, obviously outside of the promotional window. 
I then called customer service. They acknowledged receipt of my application and would review if I could hold for 3 minutes. A representative ( XXXX ) came back and told me they would send a call with the code and then call me after that to retrieve the code. I never received a call and had to go off to work. 3 hours later on break I tried customer service once again. I was told to hold for 3 minutes. The representative came back saying my application was sent to review and there was nothing they could do to help. I had asked if I would receive the promo offer and she said " most likely not ''. 
With a small window of time to open the account ( XXXX ) any applications not approved immediately would have no way of receiving the promotion. I suspect others were having this same issue and perhaps not just an innocent glitch in the system. My credit score is immaculate and there would be no reason for Synchrony to be leery of offering me credit. 

XXXX XXXX XXXX XXXXXXXX % XXXX % XXXX
Consumer complaint received 2018-05-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

In XX/XX/XXXX my husband was out of work and we fell behind on our mortgage. After a lot of work and time we were able to prevent our house from going into forclosure by getting a loan remodification with XXXX XXXX XXXX. This helped for a while but we were still not able to keep up so in XX/XX/XXXX we filed Chapter XXXX bankruptcy to basically keep our house. The Bankruptcy was basically only filed for the amount that we were behind, which was {$17000.00} and of course legal fees. So shortly after we filed, XXXX XXXX XXXX  sold our mortgage to Carrington Mortgage, and did not send us any statements for months and still, they do not send us any statements. The whole thing is a mess and we are told we can not get statements because we are in bankruptcy. Then 3 years later we get a letter from XXXX XXXX XXXX 's lawyers, which not even sure why they are bothering us when they don't hold the mortgage, but now they want to sell our house because we missed 6 payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$6600.00}. Except I have proof that all of those payments have been made. They are also claiming that XXXX XXXX XXXX  who at the time was Co- Debtor should be responsible for the {$17000.00}, except for he is deceased and has been since XX/XX/XXXX and was removed from the home and the loan back in XX/XX/XXXX, way before we filed bankruptcy So here is my concern, what gives them the right to do this to us. Cause this grief to people, cause me to spend money that I don't have because I have to get my lawyer involved!!!