davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

A credit card was opened in my name that I wasnt aware of in XXXX for the amount of XXXX from capital one. Also miscellaneous credit applications was also applied for that put hard disputes on my credit report as well.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

THIS IS THE SECOND TIME FILLING WITH THE CFPB AGAINST XXXX XXXX XXXX. I HAVE SOUGHT LEGAL ACTION AGAISNT THE COMPANY AS WELL. 


THIS IS FOR RECORD OF ATTORNEY. 

RECORDED PHONE CALLS AND EMAILS WILL BE SUBPOENAED. 

XXXX YEARS LATER AND XXXX XXXX JUST REPORTED TO MY EXPERIAN XX/XX/2022 THAT I AM XXXX MONTHS LATE YET XXXX AND XXXX XXXX XXXX CLOSED ACCOUNTS. 

ALSO I AM A XXXX XXXX AT A XXXX XXXX. I AM WELL VERSED IN AUTO LOAN CONTRACTS.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TN)

I have previously disputed this account. I am disputing this again however I am including new information not previously sent in a dispute. The account I am disputing is US Bank  XXXX. The new information for this dispute is the following : US Bank is reporting 23 months of charge offs. That is incorrect. The status of this account reporting is incorrect. In addition, this account is also too old to remain on my credit report. Identity documents, including valid photo ID and address verification, have been submitted to this complaint.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (TN)

I did not authorize the following inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX. I have attached all the required identity documents to this complaint including ; photo ID, social security card, proof of address. There is no reason for Experian to not complete this complaint.
Consumer complaint received 2019-10-10
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. (OH)

I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX # XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

New Rez/Shellpoint mortgage had been haphazardly reporting my mortgage loan to the credit bureaus since they acquired Green Tree Servicing XXXX XXXX. They also issued a late fee on my account last XXXX ( for a payment that reached them XXXX day late ) without my knowledge, claiming they notified me and they did not. I have made each and every payment ON TIME since New Rez acquired the loan. 
I tried calling them and emailing them to no avail. They did not respond to my email and their phone line was always busy. I then filed a complaint with CFPB regarding the late payment and haphazard reporting to the credit agencies. 
In turn, they maliciously retaliated against me and as a response to my CFPB complaint, removed my mortgage loan entirely from the credit bureau reports, causing my XXXX XXXX to drop XXXX points, stating : the loan was involved in a XXXX XXXX Bankruptcy which was filed on XX/XX/XXXX and was XXXX on XX/XX/XXXX. Because your liability was XXXX during the Bankruptcy, Newrez is unable to report the loan to the CRAs. Therefore, Newrez has submitted an interim report under control number XXXX to remove the tradeline due to the XXXX XXXX XXXX XXXX Please allow 7 to 10 business days for the update to reflect with the CRAs. 
The liability may have been XXXX but I have still PAID the MORTGAGE EACH AND EVERY MONTH ON TIME! MY attorney has advised me that NewRez must still report my loan to the CRAs. 
NewRez is suddenly unable to report the loan to the CRAs due to a XXXX XXXX XXXX from XXXX years ago. So why had they been reporting the loan without question since they acquired the servicing of the loan from GreenTree years ago, until I complained about XXXX payment that was XXXX DAY LATE?? 
THERE IS NO LAW PREVENTING NEWREZ FROM reporting my loan to the CRAs. They BLATANTLY did this because I filed a complaint with the CFPB. I will contact the XXXX and supply them with each and every statement showing that not only do I have a mortgage but I HAVE PAID IT EACH and EVERY MONTH FOR THE LAST XXXX years, regardless of a XXXX that was filed XXXX years ago! 
I bought this home in XXXX, as a XXXX XXXX XXXX. I raised both of my children here singlehandedly. I am a XXXX XXXX with student loans that are NOT going to be forgiven. And this is how I am rewarded for paying my mortgage every month? 
Now there is NO record of any mortgage on my credit reports. What is far worse is that NEWREZ/SHELLPOINT has caused my credit score TO DROP XXXX POINTS by callously removing it from my credit reports. With inflation this high, they have now added extra financial burden to my life. The cost of a lower credit score is detrimental to my existence, EVERYTHING will UNFAIRLY be more expensive for me now. 
This is NOT a true representation of my creditworthiness and NEW REZ should be sued for doing this to a XXXX XXXX who has gone through XXXX and back to raise kids, maintain a houseXXXX XXXX during a pandemic and PAY MY MORTGAGE EVERY MONTH ON TIME.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.
Consumer complaint received 2016-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I was in school at XXXX University at XXXX during the XX/XX/2015. Despite being in school, Navient has reported my account to the credit bureau as late. They have received proof from the University to show my half-time enrollment. My loan was supposed to be in forbearance
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TN)

I understand that Experian, XXXX and XXXX assumed a vital role in assemble information on me as a federal protected consumer. Experian, XXXX and XXXX is impeding the banking system. Experian, XXXX, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( Experian, XXXX and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( Experian, XXXX and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than XXXX business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. Experian has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Consumer complaint received 2020-12-21
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. (TN)

I have previously disputed this account. I am disputing this again however I am including new information not previously sent in a dispute. The account I am disputing is XXXX XXXX  XXXX. The new information for this dispute is the following : XXXX XXXX is reporting 23 months of charge offs. That is incorrect. The status of this account reporting is incorrect. In addition, this account is also too old to remain on my credit report. Identity documents, including valid photo ID and address verification, have been submitted to this complaint.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (NV)

Hi I am submitting this XXXX A 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXXThis 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-13
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. (NV)

Hi I am submitting this XXXX A 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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX 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 XXXX XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian is reporting obsolete information in which I am in my rights to ask for old creditors to be removed. The  XXXX  accounts are  XXXX  Account number  XXXX , date opene d  XX/2007  o ve r 10 years old  and  XXXX  Account number  XXXX , date opene d  XX/2007  ov e r 9 ye  ars old. T he accounts are passed the age of removal and the other credit bureau had no issue deleting the outdated accounts. There is no payment history as I have never paid on these accounts and I have requested that you provide verification as to how the dispute was disputed and who verified the obsolete account so that I  may o btain legal assistance to the removal of the obsolete accounts. The accounts are not only obsolete they are not attached to any other accounts.
Consumer complaint received 2022-05-13
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. (IN)

n accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX  ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX, 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (CO)

Please Clean My Name Credit and for XXXX XXXX, XXXX XXXX, XXXX XXXX My phone number is XXXX XXXX my email XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents XXXX XXXX XXXX and XXXX Thanks
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (NC)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

RESIDENT VERIFY Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
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: Experian Information Solutions Inc. (OH)

The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX  and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX  and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Attached are the accounts that you verified that I owe. I have been asking for a contract with your company bearing my signature. Or a contract with the original creditor bearing my signature. As I have told the original creditors that I am a victim of identity theft as I will also attached a police report. As you are reporting it as bad debt on all the credit bureaus. I want you to furnish a contract bearing my signature or receipt that I have used the card or the accounts that you said is mine.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (NY)

I had my SoFi money account hacked on XX/XX/2021. They got into my account, changed my primary email, password, and phone number. Once I checked my account that day and saw the fraudulent charges and transfers, I immediately filed disputes for all fraudulent charges and transfers that had been taken out up to that point. I also instructed the customer service team to freeze/restrict my account so no further damage could be done and no more money could be stolen. I was instructed to call back to file the rest of the disputes the next day on XX/XX/XXXX because they couldnt file disputes while charges were still pending. I woke up the next morning to another {$5600.00} taken from my account. SoFi did not freeze/restrict my account as I instructed which allowed more money to be stolen. By that time the hackers had stolen {$10000.00} in funds from my SoFi money account. I filed a police report for felony grand larceny on the XXXX when I was able to show evidence of all fraudulent transactions to the police. I then sent the police report to the fraud department at SoFi. After over two weeks of zero contact from them via phone or email despite my many calls and emails to them, they denied all disputes saying they see no evidence of errors. Every person I spoke to from the customer service department said its very evident its fraud but that decision is up to the security/fraud department . And now my account is frozen while they investigate. Which means I have no access to the remaining funds in my SoFi money account. I have done everything humanly possible to demonstrate this is fraud at a high level and SoFi still denied my fraud claims. They tout their platform as very safe and zero fraud liability for their customers. Which is the exact opposite of my experience with them. My life savings was stolen from me and they are doing nothing to help me as a SoFi customer. I want this investigated and I want everyone to know how awful SoFi is.
Consumer complaint received 2022-05-13
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. (GA)

Hello my name is XXXX XXXX and I am writing to delete the following information in my file. I am currently in the process of trying to buy a house, but these items are hindering the process. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-13
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 302 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 2019-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

I sent my paperwork to XXXX  XXXX in XXXX for Public Loan Service Forgiveness. They approved my employers and pulled my account from XXXX ( who had everything in order ). I tried calling them to check status a few months later and they told me it could take up to a year or more and I wasn't a priority. It is now XXXX and I still have no idea where I am at with the 120 payments. In addition, I sent my Income Based Repayment paperwork to them last month and haven't heard anything on that either. I am concerned because I have read complaints that this paperwork doesn't get completed timely either. I do not want to put my loans in forbearance because they can't keep up with paperwork.