davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (TN)

I applied Barclays cards for XXXX shop but they rejected me with out any check or any control immediately and I lose my credit score This is not fare they did not check anything my current income or others.. I am complaining about Barclays Credit cards.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN
Consumer complaint received 2019-04-19
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. (CA)

I RECENTLY REVIEWED MY CREDIT FILE AND NOTICED A FEW ACCOUNTS I DID NOT AI=UTHORIZE. I OBTAINED A POLICE REPORT AND PROVIDED THIS INFORMATION TO THE THREE MAJOR CREDIT BUREAS. XXXX   INVETIGATED AND REMOVED THE IANCCURATE DATA. I FORWARDED THE INFORMATION TO EQUIFAX AND XXXX BUT THEY HAVE YET TO FOLLOW WTHE FCRA, WHICH STATES ALL INVESTIGATED INFORMATION FOUND TO BE INACCURATE BY EITHER CREDIT REPORTING AGENCY IS TO BE SHARED WITH ALL OTHER BUREAS AND THE INFORMATION IS TO BE REMOVED.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I was charged with two ( 2 ) overdraft fees of {$35.00} for being short of few dollars ( $ XXXX ) on the account. I had multiple charges go through at once after the weekend. I transferred the amount right away when I received the notifications for both occasions. I was told that even if there is an overdrawn amount which gets covered up by the end of business day it will not be accessed the fee ; however the notifications arrived a day after resulting in overdraft fees without chances to amend. In one case, the transfer was made immediate and it did not cover the fee.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-04-03
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: Experian Information Solutions Inc. (FL)

I have disputed the late payment accounts for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX
Consumer complaint received 2019-04-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019, I sent a certified letter to TransUnion requesting validation of the account they are reporting for XXXX XXXX. They signed for the letter on XX/XX/2019. I requested copies of the account bearing my signature and if they could not send them to delete the account. TransUnion failed to respond to this request or place dispute remarks as requires by federal and state reporting laws. On XX/XX/2019, I sent a follow-up letter once again asking for validation of the account and the documents and providing them notice of their failure to place dispute remarks. They responded on XX/XX/2019 stating that it was verified but once again failed to place dispute remarks and once again failing to provide verification documents. Since they refuse to follow federal and state reporting laws, the account should be deleted.
Consumer complaint received 2023-07-12
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Approximately 8 years ago I spoke with a representative from Navient as I was struggling with paying my student loans. I had actually asked about the Public Service Loan Forgiveness and was told that it wouldnt be right for me. Instead of making my loans direct loans which would make my monthly payments qualify for this forgiveness, they put me into an income driven plan. I only found out very recently that this was the wrong thing to do. My loans would have been forgiven after 120 payments. I have since learned from outside sources that I still need to consolidate my loans into direct loans and then make another 120 payments. At this point I have already been paying my loans for 13 years!! I am furious that they scammed me into paying so much more than I needed to. I trusted Navient to steer me into the right choices and they failed me.
Consumer complaint received 2019-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2019, I sent a wire transfer using the XXXX application on my phone and entered an incorrect number by one digit. I attempted to immediately cancel the transaction but the system would not allow it. I called my bank, Wells Fargo, to inform them of the error. Wells Fargo stated that since it was placed under the application site, I would have to contact XXXX to cancel the transaction. I then called XXXX who informed me that they are a networking system and do not handle the processing of this transaction I was redirected to contact my bank regarding this error. I opened a dispute with my bank, in which I was informed that since I made the error they could not refund my {$350.00} that was placed in a stranger account, nor could it be reversed. I also tried contacting the receiving party and later found out he is located in XXXX not in the US. Wells Fargo nor XXXX are willing to help me with this matter and now I have no other option but to contact your office for some form of resolution.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-12-23
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. (FL)

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. I do not recognize it absolutely, its a pure Identity theft abuse. I am writing this message in order to ask you to delete this unknown account from my credit report. Thank you for understanding!
Consumer complaint received 2024-05-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (FL)

Rent Debt Automated Collections LLC has no registered documentation on file in the State of Florida to collect on any alleged debts. RentDebt Automated Collections LLC has not provided evidence of its authorization to conduct debt collection activities in the state of Florida. It is imperative that any company engaged in such activities be duly registered and licensed to operate within the state. All collection attempts and consumer reporting related to this alleged debt cease immediately until such evidence is provided and verified.
Consumer complaint received 2019-04-18
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: SYNCHRONY FINANCIAL (MD)

1. Noticed 2 hard credit inquiries from Synchrony Bank on XX/XX/2019 and XX/XX/2019. 
I did not authorize these pulls. I suspected fraud. There were no details about the source, nature, or reason of the hard pulls. 
2. I Called XXXX and froze my credit 3. I Talked to XXXX to dispute these hard pulls. They are investigating 4. XXXX told me to call Synchrony Bank to find out the details and ensure no accounts or cards were fraudulently opened. 
5. I called Synchrony and they could not find any records of the hard pulls. They told me to call XXXX   to find out the details around the hard pulls.
Consumer complaint received 2023-07-12
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. (MI)

I submitted a dispute for collection agencies that were on my credit reports stating that I did not have a contract with these companies. I do not know what they are collecting a debt, for. I have no knowledge of these companies. I also submitted a dispute in reference to credit cards that were listed as fraud from the credit company that the credit bureaus would not remove as well.
Consumer complaint received 2019-04-18
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. (FL)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX MTG, EQUIFAX MORTGAGE SERVI. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. I have reached out to my local police and FTC. I'm doing this on my own.
Consumer complaint received 2019-04-18
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. (FL)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I have reached out to my local police and FTC. I'm doing this on my own.
Consumer complaint received 2018-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC (OH)

I received an " offer '' from a company ( I forget if it was a direct call, or web ad, or mailer ) that offered to setup a payment plan to repay my student loans. The company stated that after paying a minimum balance, based off of my income, after 8 years the rest of the student loan would be forgiven, as part of a student loan forgiveness program with the US Government. 

Opting for this, I setup a monthly payment with XXXX XXXX XXXX XXXX XXXX, speaking with XXXX XXXX, to pay {$46.00} a month. I signed a contract and sent a VOID check to take money directly from a bank account. Every month I received an email stating that these transactions had been made and that things were going well. For four years they collected payments from me monthly. 

After receiving a call about my student loans that no payments had been made, I began to look into XXXX XXXX XXXX. I couldn't reach any of their phone numbers nor emails as they had all been disconnected. They had taken my monthly payments and no payments had been made to my {$30000.00} in student loans.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC (KS)

I have received 4 remarks from XXXX XXXX XXXX  about bills that have went into collections. I wasnt not notified that I had these bills or that they were delinquent and about to go into collections. I was enrolled in college during these dates and moved every year - sometimes up to three times in a single year.
Consumer complaint received 2019-04-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: US Mortgage Resolution LLC (NY)

Please be advised that I am trying to sell my foreclosure home and trying to pay 100 percent of what I owe my lender but unable to because there is a second lien originally owned by XXXX XXXX passed to XXXX XXXX they sold it to XXXX XXXX but there is no chain of title documents and title company will not close. I am in danger of losing the equity I have in my home and need resolution of this matter.
Consumer complaint received 2019-04-18
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. (FL)

THE PAYMENT HISTORY SHOWING ON THIS ACCONT IS ABSOLUTELY INCORRECT. I NEVER WENT TO COLLEGE, I NEVER HAVE HAD A STUDENT LOAN AND I HAVE DISPUTED THIS SEVERAL TIMES OVER SEVERAL YEARS.
Consumer complaint received 2019-04-18
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. (FL)

I HAVE INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME. AS FOLLOWS : 2 FALSE HARD INQUIRIES FROM EXPERIAN 1 FRAUDULENT COLLECTIONS ACCOUNT # XXXX FROM AN UNKNOWN COLLECTOR AND 4 2 FALSE HARD INQUIRIES FROM XXXX
Consumer complaint received 2022-09-09
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. (FL)

On XX/XX/2022, I sent TransUnion a notice that there'd been unauthorized, inaccurate accounts being furnished to my consumer report and demanded them to be verified or deleted immediately. 

To date, I have not heard about any specific action taken by TransUnion regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

I understand the statutory time period of thirty ( 30 ) days for verification of items on a consumer report however, the FCRA also includes what should be excluded from a consumer report. Therefore, no investigation is needed, nor should it take 30 days to correct the information provided. 

TransUnion has not complied with the Fair Credit Reporting Act by not deleting the disputed items from my consumer report. 

This is a permissible request for TransUnion to act as an agent and correct their misleading information. 

They are committing identity theft by furnishing information without my written consent, violations, deprivation of my privacy, and causing me defamation of character.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Hello Cfbp, As of XXXX XXXX, 2023, I message PayPal for a sudden limit on my account. I didn't do any transaction but previously I am using the account for payment on email marketing.. 

Today when I open again my paypal account they surprised me with the new email that I can no longer do business with them with this XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have requested TransUnion to update my personal information on XX/XX/2021, and remove all inaccurate personal information from my credit report per the Fair Credit Reporting Act and they have failed to comply with my request to update my personal information and to delete all inaccurate personal information per the Fair Credit Reporting Act.
Consumer complaint received 2019-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Date : XX/XX/2019 Amount : {$180.00} XXXX : I was scammed out of two XXXX tickets, paying through Citibanks app ( more specifically XXXX within the bank app ). Was not aware and it was not emphasized that any payments were not protected under fraud or anything along those lines similar to XXXX. Trusted there would be a dispute system given it seemed back by the bank, but apparently XXXX is third party and banks do not have any obligation to help in this situation, which seems crazy given the integration of XXXX within banks apps. Difficult to even initiate any suit or claims given the amount and lack of concrete information on the scammer.
Consumer complaint received 2019-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (GA)

On XX/XX/2016, I entered into a purchase agreement of a XXXX XXXX XXXX with GM Financial. In the same year I had to declare bankruptcy, chapter XXXX which became discharged in XX/XX/XXXX of the same year. I decided to keep the XXXX and continued making payments. I will attach each statement I was able to download through GM 's sight. 
I have taken my financial obligations very seriously since the bankruptcy and have tried to get my credit back to the 700-800 range. I am finding it very difficult to do so and have now had to hire a credit repair service because the scores remain stuck in the 678 range. I have been in the XXXX XXXX for the past 16 years and am very aware of how the algorithms for mortgage lending work. Only a few are approved through XXXX XXXX and licensed originators all use the exact same ones. It is a shame that consumer reporting agencies use other ones, but that's not the point. 
I feel GM has directly violated the FCRA by not reporting anything to the credit bureaus since XX/XX/2016 and are not threating to do so illegally. I have direct email correspondence in email through a team lead there at GM stating a repossession order is going into effect at the end of next month. I tried to make a payment and setup a payment plan for at least three to four hours this morning and have found out why it has been unsuccessful. 
I have proof of the payments I made in XX/XX/XXXX and XX/XX/XXXX and question why two reps at GM have told me the repossession order was already in effect. In attempting to make a payment through GM, this was the case too as I was blocked. Finally the last rep I spoke with confirmed the order and after transferring me to XXXX XXXX fast pay ( or something like that ) it was all confirmed because the rep there said this account was in repossession status. The order has been set in motion so I decided to pull off the road and park the vehicle somewhere safe and notify them of its location. I informed the store and they were ok with me leaving it there. It is right across from a police precinct in plain view safely parked. I walked 5 miles home and wonder how this is legal.