davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX, XXXX XXXX pulled my Equifax credit report, the Equifax credit report has on the first page of my credit report Fraud Victim " Extended Alert '' under the Credit File Status. 
XX/XX/XXXX, I called and asked for the information to be removed from my credit report, the investigation was completed on XX/XX/XXXX, Yet, I have not received an updated report which verifies the removal. 
XXXX XXXX has pulled my credit report several times and contacted Equifax directly through their number for business issues, we have both continually been told, the credit report was updated. XXXX XXXX is the mortgage processor for XXXX XXXX  XXXX XXXX. Report pulled : XX/XX/XXXX, XXXX, and XX/XX/XXXX. 
Fraud Victim " Extended Alert '' still on first page of Equifax credit report. 
I call again on XX/XX/XXXX, received confirmation # XXXX from Equifax representative, I was told by employee name-XXXX, id # XXXX, that I would receive confirmation of removal to my email address within 24-48 hours. I HAVE NOT RECEIVE ANY CONFIRMATION OF REMOVAL. 
I called again on today, spoke with XXXX, id # XXXX, I asked to speak with a supervisor and was on hold for over 2 hours, XXXX just came back to the phone and repeated the same thing, the Fraud Alert was removed. 
I pulled my credit report on XX/XX/XXXX Annual Reports, the first page still shows under Credit File Status : Fraud Victim " Extended Alert ''. 
My credit report under My Equifax, still show the Fraud Victim " Extended Alert '' on the credit summary page, but indicates that there is no Fraud Alerts. 
I send a certified letter to Equifax requesting the removal, I still have not received a return report. 
I requested a letter from Equifax confirming the removal, so I could send to the Mortgage processor, I still have not received a letter or any type of confirmation.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nickel City Group LLC (AZ)

I sent them a letter requesting the following : The only method of communication to me from you is the mail, please no calls or emails. 
On XXXX XX/XX/2022, XXXX they called me at work! 
I just need to be treated fairly! 
I never received anything in writing from them regarding the debt, I check all mail as I get it and nothing.
Consumer complaint received 2022-04-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (MS)

Comenity Bank for XXXX store card I've disputed this through XXXX  I've spoken with agent I'm being harassed call after call when I'm at appointment church functions and I even explained I was making funeral arrangements for a family member to which I got 3 calls after that plus this account is from 2007 and should have been covered long ago
Consumer complaint received 2021-08-26
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. (NY)

In XXXX I sent a letter to each major credit reporting agency ( XXXX, XXXX, Transunion ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.
Consumer complaint received 2023-08-14
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: Paramount GR Holdings, LLC (PA)

As per the FCRA Act 15 USC 1681 in section 602 the consumer reporting agencies should exercise their responsibilities with fairness and respect for the rights of the consumer privacy. XXXX, XXXX AND XXXX are considered consumer reporting agencies. And that makes me the consumer, I have the right to not share my private information 15 USC 6801, 15 USC 6802 ( b ) ( c ) Privacy Act of 1974, 15 USC 1681 ( c ) 12 CFR 1016.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

THERE IS A REPORTED ABUSED ACCOUNT ON MY CHEXSYSTEMS WITH A STRANGE NAME AND ADDRESS.I HAVE CALLED SEVERAL TIMES FOR CHEXSYSTEMS TO DELETE THEY STUBORNELY NEVER DID CHEXSYSTEMS HAS VIOLATED MY CONSUMERS RIGHTS IN EVERYWAY
Consumer complaint received 2023-08-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (OK)

Please see attached. Our original complaint that we filed with the Attorney General is included. 

Since the complaint was filed our current provider is working on a loan modification, which will double our interest rate. They have also sent us a trial period payment plan that is {$1200.00} more than our original payment.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (OH)

It came to my attention that my information and identity have been stolen on the dark web. Several accounts were charged without my permission, those in accounts Include XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX I would like this consumer information updated correctly on my credit profile and Document it four the public record
Consumer complaint received 2022-02-22
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. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Unsworn declarations under penalty of perjury
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a problem with vendor taking charges from card using debit account number, I already submitted rejection and Claim ID, I followed on the merchandizer named XXXX XXXX on XX/XX/2023 charged the card for XXXX XXXX and on XXXX XXXX XXXX XXXX XXXX  XXXX both transactions was rejected and filed a claim ID XXXX and another XXXX respectively, they both got unanswered and still otusnading taken payment from our company account. 

On other claim on XXXX XXXX, a transaction of XXXX XXXX was taken by vendor named XXXX XXXX unauthorized and rejected online but couldn't get Claim ID, we also reported by phone and no feedback yet.
Consumer complaint received 2022-04-13
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2023-02-01
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2016-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (FL)

AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/2016 XXXX, IL XXXX PHONE : XXXX FAX : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX  XXXX XXXX Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATIONXXXX XXXX XXXX Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX  15 USC 1681 section 602 A. 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.
Consumer complaint received 2021-08-26
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. (MO)

Equifax has committed several federal violations against me, a Private law abiding Federally Protected Consumer and are liable under Federal Law. I have been denied Consumer credit transaction due to false and harming information being furnished on my consumer report. My information was also obtained in an Equifax data breach which resulted in identity theft. I have sent my enforcement action, affidavit of truth, identity theft report, and exhibits on how the law was violated.I have also been harassed by debt collectors attempting to collect a alleged debt.

Equifax has engaged in unfair and deceptive practices in violation of the Consumer Financial Protection Act of 2010 by Engaging in acts and practices that caused additional harm or risk of harm to consumers in response to the breach. Equifax has also Failed to provide reasonable security for the massive quantities of sensitive personal information stored within its computer network, causing substantial injury to my data which was stolen.
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I retrieved my credit report and I noticed several inquiries that I did not authorize. I sent a letter to the credit bureaus about these inquiries. I never received any response.
Consumer complaint received 2024-03-08
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. (SC)

" I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 


Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXXXXXX {$8800.00}
Consumer complaint received 2022-10-15
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. (NY)

In accordance with the Fair Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : XXXX XXXX XXXX : # XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, I have been a customer of the American Express Platinum Card since XXXX. They decided to " cancel '' my credit card without any explanation. The credit card was never overdue, all payments were cleared and does not have any outstanding balance. 

I reached out to American Express Customer Service multiple times yet they are not reinstating my credit card. I asked them why my credit card was " canceled '', but I did not get any answers and I am being asked to apply again. 

I need CFPB assistance in this regard to reinstate my card as it was canceled for no reason. 

Please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

NELNET refuses to help out a XXXX veteran and person by contacting the department of education to HAVE ALL LATES REMOVED FROM MY DISCHARGED STUDENT LOANS!! I have reported nelnet to florida US senators XXXX and XXXX for investigation and the department of education and I demand the lates be removed from my credit report immidiately!. I was homeless, no money no income no address and no telephone you evil company!! you DID not contact the department of education to ask if the lates could be removed, instead just spewing XXXX about we tried to contact you. I was homeless and XXXX you XXXX! contact the department of education and remove the lates from XXXX from my credit report and correct it immediately, the senators have requested this from the department of education as well!!
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed by someone pretending to be a government official. He unfortunately got {$2000.00} out of me. I did contact the bank with all the info, account number, amount etc. 
My bank said they contacted Wells Fargo and got no reply. They gave me a trace number but I am clueless as what I am to do with it. 
Please advise if you can.
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (FL)

I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX   contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA and XXXX XXXX   guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX http : //www.themoneysource.com/
Consumer complaint received 2022-04-13
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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (IN)

Teletrack is listing XXXX inquiries well over the allowed 2 year period. XXXX is still there after almost 4 years, XXXX around 3 years old and XXXX nearing 25 months old. This is against FCRA.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (TX)

Fraud happened to me and I disputed on XX/XX/XXXX. The criminals used my Apple Card Goldman and Sachs bank, which was stolen in the amount of {$310.00} to purchase from XXXX and on XX/XX/XXXX {$110.00} for a restaurant called XXXX XXXX. These were not my two transactions.