davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB, I am writing to dispute the accuracy due to fraud and identity theft of certain items on my credit reports that have been provided by debt collectors. Despite my attempts to contact the debt collectors and provide them with all necessary information to verify that the debts are incorrect, they have failed to take action to correct the mistakes. 

As per the Fair Credit Reporting Act ( FCRA ), if a disputed item is incorrect, it must be corrected and the debt collector must notify anyone who has already received a report containing the incorrect item. However, the debt collectors have not been able to determine whether the item is correct or not within the 30-day period as per 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. 

Therefore, I request that you remove these inaccurate accounts from my credit reports. I appreciate your prompt attention to this matter. 

Sincerely, 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 2023-07-24
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: TRUIST FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I checked my interest rate for a refinance with XXXX XXXX  over the weekend. Monday I started receiving calls from many, many phone numbers- some said scam, some said telemarketers, some just phone numbers. The number of calls as of today reached XXXX calls! This is unacceptable business practice. I contacted XXXX XXXX  who replied that they do not give out my phone number, but when they pulled the credit report ( which they really should not have, I was just checking rates ), the representative stated that the credit bureaus share my phone number. I am in disbelief that a consumer would be treated this way! I feel like I need to change my phone number. I am not sure what I can do, but this really needs to be reported and stopped. I appreciate anything that you can do to help with this situation. Thank you.
Consumer complaint received 2019-08-29
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 XXXX # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors, on all XXXX ( XXXX, Experian, XXXX ) Several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 

I want this resolved as soon as possible. 

My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 

Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX! 

I am requesting that the information in my file be updated to reflect only my current correct address. 

Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX is not accurate and should be removed immediately. 

I also ask that you remove any employers and phone numbers associated with my credit report. 

I look forward to your response on this matter as well as an updated credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Received notice from an existing credit card company that they were increasing my interest rate based on an experian credit report. 
I attempted to file a online complaint with experian provided ID information including social security number without which no information was forthcoming. experian claimed divulging my social security number was mandatory. 
After providing the information experian would not provide a copy of my report or credit score but offered me my selection of sixty two new credit cards from different banks, etc. 
They also made a major marketing effort to sell me services such as credit watch etc. 
It is obvious that experion is attempting to scare consumers into purchasing their financial services. A scam! The CFPB and other regulatory agencies or any curious person should visit the experian website and see for themselves.
Consumer complaint received 2019-06-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OK)

Continued from last complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter by email threatening to put me in collections a collection agent already contacted me previous before the email. Saturday I received a statement from the collection agent. According to the statement the balance is higher than what the service provider is asking for.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DPT EDXXXX XXXX, DPT EDXXXX XXXX , DPT EDXXXX XXXX and XXXX XXXXXXXX
Consumer complaint received 2023-07-14
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. (TX)

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Consumer complaint received 2023-05-11
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)

When I investigated my updated report in XXXX XXXX, There are multiple errors in the accounts listing that are damaging to me including payment history, and account status. Please update for lawful accuracy these accounts listed below : XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2015-11-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NJ)

I have been trying to have my home loan modified with help from XXXX. Each time they have called the bank to check on the modification they were advised that they did n't have authorization. I have given XXXX authorization which has been sent to the bank on multiple times. The bank advised they had received the authorization on XX/XX/XXXX and then on XX/XX/XXXX they said they did n't have. This has left me in a terrible hardship and I 'm may lose my home. I lost my wife on XX/XX/XXXX. She battled XXXX for five years. Not only have I had to endure watching my wife suffer and leave this world I may now have to leave our home that we shared together. My son and I live in the home and very much want to continue living here. The bank has advised that there is a sale date for my home on XX/XX/XXXX. My son and I have no where to go.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc. (CA)

XXXX XXXX USCB XXXX calls frequently. 
To the point I feel harassed.

I have no outstanding payments due for anything- so I can not give you any such information. 
Upon researching them I have found numerous complaints about them. 
Many very similar to my experience. 
I would like the calls to stop and for them to cease and desist.
Consumer complaint received 2020-10-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (TX)

Navient removed 5 accounts ( on XX/XX/2020 ) that were closed from my XXXX  credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted XXXX  and they stated that Navient requested to have them removed. I then contacted Navient and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (KY)

I noticed a medical bill last year that showed up on all 3 of my credit bureaus in the amount of {$320.00} first opened on XX/XX/2016 by  Merchants Credit Guide. I have called several times attempting to resolve this debt because it is mine. However I was told by XXXX XXXX XXXX that the account was paid in full by my insurance XXXX XXXX. After several attempts by myself and XXXX and XXXX XXXX to resolve this issue we get No where. I have called several times myself and been on 3 way calls with the billing clerk at XXXX XXXX XXXX and Merchants to resolve the issue and Merchants Credit Guide, but they persistently say the bill was Never paid XXXX XXXX also attempted to fax them documents showing it was paid and they still refuse to remove the collection. Merchants Credit Guide customer service is very rude and demanding. I asked them to send me a form of validation and I never received it. This account is actually mine, but it's been paid by XXXX XXXX and Merchants Credit Guide still refuses to remove the collection. They have threatened to sue me in court contact the police and been harassing me with phone calls. I have prove it was paid and since they choose to not send me a form of validation I will not contact them anymore. I would really appreciate any insight or help resolving this issue. I have disputed it 3 times with No luck.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for a Citibank Citigold checking account back in XXXX 2015, due in part to their attractive XXXX XXXX XXXX miles bonus upon completion of spending {$1000.00} in debit transactions and using bill-pay twice within 60 days. I completed all requirements within the allotted time period ( confirmed by Citi ) but have not been credited my bonus miles within the 90-day due date post-completion ( XXXX XXXX ). I have contacted Citi on over XXXX occasions but have not gotten the issue resolved.
Consumer complaint received 2022-11-17
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. (MI)

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 of 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (TN)

I recently reached out to the three bureaus because I checked my credit report and it was a lot of fraudulent accounts that I did not authorized..it was a XXXX card, amount is XXXX that is fraudulent, two XXXX XXXX cards that were fraudulent. also a XXXX XXXX credit card that is fraudulent.. I reached out to the bureaus and provided all the necessary documents for identity theft ... XXXX honored my request. Equifax didn't. XXXX honored it by deleing the accounts but today one of the showed back up.. I completely have no knowledge of those accounts and I will not stop until justice is served.
Consumer complaint received 2022-08-17
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. (GA)

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 items which are 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$2500.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-02-02
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: CITIBANK, N.A. (UT)

This is the 2nd time I am reporting because I never heard from the company about the 1st time ( I also have called CPFB 3 times as I cant login ) and most importantly I now have all my reciepts, statements and proof of payments I made.

Home depot credit card services has somehow messed up the accounting on my bill adding the same purchase back on my bill after it was paid and then refusing to acknowledge the 2 letters with proof I send certified on XX/XX/XXXX and again in XXXX. I also requested copies of my statements for XXXX - XXXX twice and was sent a home depo ad. I called and got hung up on and then they said they did not recieve my dispute ( they did because they signed for it both times ) On XX/XX/XXXX my balance was {$68.00}. On XX/XX/XXXX I made a purchase of {$330.00} & on XX/XX/XXXX XXXX for XXXX. Total purchases for XXXX and XXXX plus my previous balance {$950.00}. I then returned 7 boxes of vinyl because I over bought too many on XX/XX/XXXX for {$170.00} then XX/XX/XXXX for {$64.00}. On XX/XX/XXXX a return for {$60.00} XX/XX/XXXX, {$60.00}, XXXX {$17.00} & XX/XX/XXXX for {$25.00} Total {$400.00}. 
I made XXXX payments in XXXX and XXXX. XX/XX/XXXX for {$200.00} and XX/XX/XXXX of {$150.00} .total {$350.00}. Take my purchases and previous balance {$950.00} minus refunds {$400.00} minus my payments {$350.00} .leaves me owing home depot card {$200.00}. 
I get my XXXX statement in XXXX of {$1200.00}. 
I had lost my card in XXXX so they issued a new one and put a balance transfer from account XXXX of {$700.00} then charged me again {$550.00} on account XXXX for my purchase in back in XXXX. What happened to all my refunds and payments which i will upload i have every single one. But i had to keep on paying this to avoid collections. I over paid by XXXX because they ignored both billing disputes I made 6 months ago and they are still charging me. What happened to they have to fix the dispute or at least investigate within 2 billing cycles or be fined? Its been 11 billing cycles 4 disputes and i havent got any response personally from them. They now owe me a lot of money since i now can proove it. People save every reciept and payment you make or they will just keep up this scam or whatever you want to call it ignoring a consumer and just keep billing and billing. Its insane how much work and time i have put into this and still no results just bill me.
Consumer complaint received 2019-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Dear, I have Paypal account and amount of money on Paypal balance from selling product. I did withdraw funds XXXXUSD from my Paypal balance and sent that money to my XXXX bank account on 1XX/XX/2019 but it's not successful. I lose XXXX of withdrawing fund and XXXX of reversing money from my bank account.Paypal tell me to fix my information on paypal website. I already do that. I did withdraw funds XXXXusd again on XX/XX/2019 and lose XXXX again. But until now I still don't see my money appear on my XXXX bank account or reverse on my paypal balance. I contacted Paypal so many time but they don't answer me. I doubt that they are appropriating funds. Please help me. Thank you very much.
Consumer complaint received 2019-06-22
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (PA)

Late payments reported for XXXX and XXXX in XXXX. 
I never received a bill requesting payment. I received a phone call from Navient informing me that I was behind on my payments and requesting a payment, which I notified the representative that I never received a bill and that if I would have received a bill I would had taken action to the matter to prevent late payments. Per Navient representative the bills were emailed to me, at this time the representative was informed that email was not my preferred method of communication as that time I did not own a computer, lap top nor smart phone and requested communication via U.S Postal Mail. During that phone call I informed Navient representative that I was unable to make any payments at that time as I was still looking for a job after graduating- ( assuming all calls are recorded ; this conversation may be audible though Navient 's recording system ). The representative recommended a deferment in which I took immediate action and completed all the requested paper work. On XX/XX/XXXX I mailed the Credit Bureau Management for Navient to dispute the late payments reported as I never received a paper bill. 
XX/XX/XXXX Attention : Credit Bureau Management Account # XXXX I am requesting that the delinquent payments reported to the three credit bureaus in XXXX, XXXX and XXXX of XXXX be removed due to the fact that I never received a bill requesting payment. I did receive a phone call some time after that requesting payment because they were late, in which I did tell the representative that I never received a bill. I then took action to apply for a deferment at that time. 




Sincerely, XXXX. 


I did not receive a response to my dispute, it wasn't until XX/XX/XXXX at XXXX when I contacted Navient to follow up with any results in which I was informed that my dispute had been resolved, that they disagree with me and that an email was sent to me with an explanation. I informed the representative that I never received and email then I was told to check my spam or contact my internet provider if I am not getting emails. I questioned why didn't I receive the explanation in the mail by paper, and that this is what happened with my initial bill in XXXX that I never received and that a representative was informed back in XXXX that my preferred method of contact was via U.S postal mail. I have checked all my emails-spam, inbox, deleted and still do not see an email from Navient with the dispute explanation.