davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2019-08-05
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)

XXXX XXXX did not hire a collection repair company. My claim has not been validated i have been try to get this looked in too since XX/XX/XXXX and the credit agency are blowing it off and not looking at none of the facts thats this is not my account. I received a bunch of garbage from the axle hed company with a made up contact that is not my signature. I and sending the made up contact and a copy of my Id please compare the too and look at the us postage which i sighed and my looks nothing like the made up copy righted signature. The credit agency is not even validated the account they are refusing to do there job. And putting wrong information that does not belong to me on my credit report. Also they removed XXXX XXXX XXXX off my file back in XX/XX/XXXX and thats who sent the contact for XXXX XXXX XXXX a fraudulent account. i filled out with my And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX   XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report. Please actually ready all Correspondence and remove this fraudulent account
Consumer complaint received 2019-08-05
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. (GA)

investigation was not preform and they did investigate the claim or try they do not have any contract with my name on it how did they certify anything they ignored my quest and keep information from being investigate which did invalidate they this is a validation of the fair debt collection act 601.
Consumer complaint received 2019-08-05
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)

Dear Transunion, I managed to find the results from XX/XX/2018 when I initially filed my fraud and identity theft claim and here are the results attached. 

You are reporting the following accounts that are showing deleted. I did not receive any notifications that says it was being placed back per the FCRA which should be in writing from the bureau and this error must be deleted. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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. 

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, 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 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 XXXX 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.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. XXXX, Equifax and XXXX. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX Inquiry XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
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. (TX)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2019-08-05
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)

I am attaching the results from XXXX that all of the fraud items were deleted that are reporting on XXXX  and Equifax. I am asking that they follow suit. If they did the same process then the result should be the same for all 3 bureaus. This was the outcome after disputing and reporting identity theft along with the police report. 


File Number XXXX
Consumer complaint received 2019-08-05
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (FL)

I received a phone call this morning from Transworld Systems Inc, attempting to collect on debts that the statute of limitations ran out on back in XXXX. I was sued on multiple occasions in XXXX, and each case was dismissed without prejudice, because TSI did not have the proper documentation. The guy on the phone told me they now have the proper documentation and can re-file a suit unless I can figure out a resolution. He outright lied to me and illegally tried to get me to make a payment or enter a payment plan, via bullying tactics. The number he called from is XXXX. When a lawsuit is filed, it does not toll the statute of limitations. And the fact that the lawsuits were dismissed without prejudice did not extend the statute of limitations ; they continued to run.
Consumer complaint received 2021-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since 2020, I have been contacting Capital One to let them know that they closed my account in error. Every representative that I have spoke to tells me something completely different. I have went through so much pain and agony with all of the thing Cap 1 has tasked me to do just to turn around and deny me credit and the reopening of my consumer credit account. I have repeatedly let them know that whatever was sent to them stating the account was fraud or not mine, wasn't someone I, XXXX XXXX sent them. Capital One states they found that the documents sent by a 3rd party ( not me ) was valid. How can that be when the information never came from me, XXXX XXXX. I did not allow any XXXX party to submit documents on behalf to close my Cap 1 account. 

Capital One has had data breaches where account information was accessed. I feel as if I am not only a victim of the denial of credit with Capital One but I am also a victim of the data breach as well. I, XXXX XXXX, the consumer, am asking for a resolution and the reopening of my original Capital One account. 

Please see info for the Capital One Data breach. I have contacted the CEO several Times. I will now contact the CFO. 

Capital One Bank has announced that the highly sensitive financial and personal information of more than XXXX XXXX banking and credit card customers was accessed and stolen by an outside hacker. The XXXX  XXXX reports that the alleged hacker has already been arrested by the FBI. Capital One Banks failure to protect this data is an unacceptable breach of customer trust, and XXXX XXXX XXXX is working to hold the bank accountable and to seek compensation for those affected. Contact us right away to find out if you are eligible to join a class action against Capital One. 

At this time, we know that the following types of personal and financial information were hacked : Bank account numbers Social Security numbers Credit card applications, including income figures, home addresses, and dates of birth At this time Capital One is denying that credit card numbers and online log-in information were exposed. The FBI says that the hacker intended to distribute the stolen information, and it is currently unknown if they were able to do so before being arrested. 

This is what has happened, and when I am letting Cap 1 know that there was something sent to them in error, they believe it is not possible. If someone can steal and access my Capital One account information than surely someone is able to send paperwork acting on behalf with wrong information. I NEVER sent Capital One any information claiming the account as fraud.
Consumer complaint received 2022-03-25
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. (FL)

This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. Transunion, XXXX and XXXX. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (AZ)

I received a letter on XX/XX/2020 dated XX/XX/2020 from Global Lending Services ( GLS ) that in regards to my auto loan, my financial obligation to them had been satisfied in full along with an enclosed check for supposed overpayment on payoff. In turn, I checked my credit reports and the auto loan account showed as closed. On XX/XX/2020 I called GLS and spoke with a representative named XXXX in attempt to find out the current standing of my auto loan and provided her with the information on the letter I received in XXXX and the status of the loan on my credit report as closed. She stated that contrary to the letter I had received, I still owed on the account for the three past due months and should continue sending in the monthly payment to keep the account current. I questioned XXXX that although I am willing to make the payments to the auto loan, how will resuming payments reflect on my credit report if the status shows as closed. In conclusion, XXXX stated that she did not know the reasons as to why I received the letter in XXXX or why the account status showed as closed on my credit report and that this issue would be forwarded to her superiors.
Consumer complaint received 2022-10-12
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (AZ)

AES reported that I was current but they also reported that they could not get ahold of me which has lowered my score by XXXX points. They received a returned letter but when I received an email about it, I looked on the website and everything looked fine. I also never received a call about this and AES agreed they never tried to call. I have never been late so this report is completely unfair and inaccurate. I have included a copy of my report that shows XXXX as XXXX negative.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting in my 3 Credit Bureaus. The account was placed as a charge off account and has and indicating balance in the statement. There is no payment history that shows a month and year that the account made a late payment. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
TD BANK USA/TARGET CREDIT C XXXX XXXX XX/XX/2016 Balance {$590.00} TD BANK USA/TARGETCRED XXXX XXXX XX/XX/2016 Balance {$590.00} TARGET/TD ***** Opened XX/XX/2016 Balance {$590.00}
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

On XX/XX/XXXX I requested that my mortgage held with LoanCare be removed from the COVID-19 Forbearance program. All required documents had been sent in then I confirmed that had been received. I was told the process should take 30 days to complete. I followed up on XX/XX/XXXX and was told they have no update and it was not even worked on yet. called again end of XXXX requested they open a case to investigate what's taking so long and call back in 10 days. Called at the start of XX/XX/XXXX and was told the same thing. The Representative said, " my file was being escalated via his supervisor '' would receive a call back in 4-5 biz days. No call no update. Called again on XX/XX/XXXX and XX/XX/XXXX again on XX/XX/XXXX told to call back in two weeks for an update. Finally, on XX/XX/XXXX I receive a packing in the mail saying my Forbearance request was processed and completed. Four and a half months later a process that I was told should take 30 days was completed. During those 4.5 months, Loancare continued to report my loan late because it was late at the start of the forbearance program. Those 4.5 months should never have happened if they processed my request in a timely fashion as promised by LoanCare. I find it unreasonable as a mortgage lender to operate this way and impact customers in a negative way further hurting my credit report when i no longer needed the assistance program. 
I have already contacted them directly and via the XXXX Their response on both occasions was they reported my loan correctly to the credit aggency. Yes, that statement is correct ONLY because they took 4+ months to complete a request I was told would take 30 days. If this was handled properly my loan should have been brought current in XXXX and thus XXXX, XXXX and XXXX would have then reported my loan as current and not late. 
I would like transcripts sent to me as soon as possible for the calls to LoanCare by me Starting XX/XX/XXXX to document Loancare 's actions and mishandling of my loan. Th This appears to be a violation of LoanCares duty under the CARES act. 

Loancare XXXX XXXX XXXX, Virginia XXXX, VA XXXX https : //www.loancareservicing.com/
Consumer complaint received 2021-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION (NE)

Back in 2012, I filed for XXXX and a car loan was included in this XXXX. XXXX XXXX recently served my employer for garnishment on XX/XX/XXXX, this is a 9-year-old debt that overpasses the statute of limitations in my state. Nebraska, the statute of limitations 5 years from the last payment made. This means that a creditor or debt collector may not sue you for debt after five years have passed. If the agreement was verbal, then that number is reduced to 4 years in the state of Nebraska. I have been harassed by this creditor in the last 6 months calling me at work calling on weekends portraying they are laws enforcement. I was served a summons for XXXX this debt is 9 years old.
Consumer complaint received 2021-04-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Account isn't mines. Identity thief. Submitted request on XX/XX/21, and XX/XX/21 and account still exist. FTC report number XXXX