davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my credit one time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
Consumer complaint received 2019-04-06
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)

XXXX XXXX XXXX {$530.00} There is no valid claim, no contracts exist ... account was settled with original creditor and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2020-02-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (CT)

XX/XX/20 I went through online application process to open up a money market account on the Ally web site, link : https : //secure.ally.com/open-account? & XXXX About a week later, I received the attached letter saying Ally could not open an account for me. Reason given : Unable to verify applicants identity. 

XX/XX/20 I called the phone number on the letter. I asked what information sources they used to come up with the reason. The representative replied that all the information available is in the letter. 

XX/XX/20 Later that day, I tried the Ally Chat tool to ask again. Could they tell me what credit report they used?, I asked. All they could tell me was that they used a soft credit check, but could not tell me any more than was written in the letter.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CO)

My mortgage was with Fay Servicing, I was in an XXXX & when I recovered I found that my mortgage company at raised my payment from XXXX a month to XXXX. I called & talked to my account manager, he told me to file for loss migration, I sent in the forms in XXXX of XXXX, I never was asked anything else, I got no response or communication. I called in again, my account manager told me to file again, I asked what happened to my first one, again no response. I sent in the forms, I didnt hear again, so I called, I was told they needed more paper work, again I faxed in, after four days, I called Again, I was told for more paper work, I asked why they wouldnt communicate, again, no reply. I hired an attorney with a loss migration specialist, she always made sure that had what they needed, I was denied as the letter said their investors dont participate in that program. I re applied, as the foreclosure sale was approaching, I was denied, another letter stating their investors dont participate in that program. Im still in the house, I have VA benefits, but because of their drawn out process, & the months behind, no other mortgage company would touch me. I feel cheated, & taken advantage of by Fay Servicing. They want me out bu XX/XX/XXXX, I feel like filing a law suit to get my credit back & the home I built with my own hands
Consumer complaint received 2019-04-06
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)

XXXX  XXXX  XXXX {$590.00} There is no valid claim, no contracts exist ... accounts were settled with original creditors by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2023-07-26
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. (TX)

This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the charge off accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents to prove that it I who submitted the requests. I requested the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX  ) XXXX Balance : {$0.00} and XXXX  XXXX XXXX  XXXX Balance : {$2200.00}. These accounts are clearly erroneous and misleading and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK (NY)

I started with freedom debt relief in XXXX of 2018, at that time they had me add all debts including a XXXX   and XXXX account. I also was told by them to get the legal plan that would cover me for any reason if a account took me to court but was told that if I get anything to just upload it to my dashboard. I was served for my XXXX account and XXXX and uploaded the paperwork and assumed I was all set until a sheriff showed up with a judgment saying I must pay back with 10 % of every paycheck. When I started the XXXX bill was under {$600.00} and now with intrest and fres I owe XXXX. I had over 4,000  in my freedom account at this time and it was never worked out, XXXX was around 12,000 when started and now they want XXXX. Freedom tells me that I should of called the legal team and not them when I got the papers but i called freedom and uploaded like they said. I feel scammed, because now it looks like XXXX  dose n't even work with the. So why would they have me add that account in the first place.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My name is XXXX XXXX, XXXX, in XX/XX/2017, I victim of identity theft for the incident of the Data breach by XXXX, and Also I had insurance I was getting it the XXXX XXXX XXXX  by XXXX I reported with the XXXX XXXXXXXX XXXX and the haven't dont nothing to pay my all the problems and fix my credit and I sent all the documents that XXXX request me and now they say they didn't receive it but I have the proof that. They signed and the dont want to fix the problem van you tell me what can I do about it please
Consumer complaint received 2019-04-06
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. (FL)

XXXX XXXX XXXX XXXX originally reported me to the credit bureau TRANSUNION in XXXX At some point XXXX XXXX XXXX XXXX sold the account to XXXX XXXX who reported an open date as XXXX I recently reviewed my credit report and it shows XXXX XXXX XXXX XXXX is now reporting the account with the same open date that XXXX XXXX was reporting XXXX XXXX XXXX XXXX XXXX has re aged this account and is in violation
Consumer complaint received 2023-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT APPEARING ON MY CREDIT FILE THAT IS NOT MINE. 

ACCOUNT TO BE DELETED : 1. CREDIT COLLECTION SERVICES, # XXXX - Refer to your collection letter dated XX/XX/XXXX. I have never received a previous collection letter from CREDIT COLLECTION SERVICES violating my federal civil rights under the FDCPA by not allowing me to respond to their collection attempt. 

- Refer to my attached credit report where XXXX XXXX XXXX reported negative information on my credit file on XX/XX/XXXX, highlighted, to all three credit bureaus in direct violation of the FDCPA. This was three months before their attached XX/XX/XXXXXXXX  dated collection letter was sent to me via standard mail. 

- It should be noted that Credit Collection Services attempted to collect a debt in California without being licensed to conduct business in California per the Calffornia Secretary of State website, they debt was paid to XXXX XXXX XXXX in protest due to my XXXX XXXX dollar home purchase in escrow is in jeopardy of being canceled due to the above account dramatically affecting my credit scores. I have had to pay an additional {$13000.00} on XXXXXXXX  to keep my escrow open due to this negative and errored information being reported to all three credit bureaus.
Consumer complaint received 2019-04-06
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. (MO)

The accounts that's being disputed in this immediate dispute has been disputed a few times before without the credit reporting agencies taking the proper steps in dismissing / blocking these unauthorized and unknown accounts that's somehow been associated with my name. If these credit reporting agencies can not produce certified physical documentation to substantiate their reporting then they shall delete/ remove and block these account ( XXXX  XXXX XXXX {$3600.00} ), ( XXXX XXXX {$0.00} ) immediately as clearly written within the consumer laws of the FCRA .
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (UT)

My name is XXXX XXXX, XXXX, in XX/XX/2017, I victim of identity theft for the incident of the Data breach by Equifax, and Also I had insurance I was getting it the trusted ID premier by Equifax I reported with the Equifax inc assurant and the haven't dont nothing to pay my all the problems and fix my credit and I sent all the documents that Equifax request me and now they say they didn't receive it but I have the proof that. They signed and the dont want to fix the problem van you tell me what can I do about it please
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (FL)

On Saturday XX/XX/2023 I opened a new CD with Synchrony Bank. The funds used to fund the new CD account was an INTERNAL TRANSFER from a Synchrony savings account. The funds were taken out of the savings account immediately and the CD was opened immediately. However the CD was now dated Monday XX/XX/XXXX and not the XXXX. This is not what I wanted as I have CD 's timed for reasons that not important for me to disclose. What and when I want to do with my money is not for the bank to decide. I opened the CD on the XXXX of XXXX because I wanted the CD to begin on XX/XX/XXXX and not the XXXX. I tried to correct the issue with Synchrony Bank by calling. First to a representative and then to a supervisor. I was told that that was their policy Period. Next business day and If I wanted to now cancel the new CD, there would be a fee. I do not have this problem with other banks. If I open a CD and fund it by an internal transfer, from the same bank, that CD starts on the day I open it regardless of holiday or weekend and not the " next business day '' as I was told by Synchrony was their " policy '' and the way their " system '' works. Unacceptable. An external transfer from another bank is one thing, an internal transfer is another.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (WV)

I disputed a report on XXXX a XXXX XXXX XXXX account it was deleted after 30 days under the FCRA and WV Law then a few weeks ago I pulled my XXXX  report and that report was illegally reinserted back on my XXXX  report this report is totally inaccurate and it should have never been reinserted after 30 days and its removed its supposed to never be put back on my XXXX  report the bank had 30 days thats the law they didnt verify it it was removed and should have never been put back on file if this report isnt permanently removed immediately I plan to initiate a lawsuit against XXXX that report made me have a XXXX XXXX under dr care now causing me XXXX XXXX XXXX XXXX and XXXX I want it removed immediately or I am proceeding with a civil lawsuit in US District Court against XXXX also XXXX  didnt tell me how it was supposedly verified they put in a letter a XXXX XXXX XXXX with a XXXX XXXX XXXX address as the verification I never been to Cali so how is someone in California verifying a XXXX XXXX I want this removed immediately!
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I logged into my annual report for transunion. I was going over information and somehow it just kicked me right out of it. I know it was intentanal do to fact i was not even pressing any buttons an exsperion had just told me that i could not access the report do to circumstanance about 15 minutes before i was kicked out of transunion.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX I sent a letter asking to verify their method of verification for listing an alleged bankruptcy on my credit report. On XX/XX/XXXX I sent another letter as the company did not respond to my XX/XX/XXXX letter. On XX/XX/XXXX I sent my third letter as the company did not reaping to my previous two letters. On XX/XX/XXXX equifax finally responded stating the item was verified by XXXX XXXX. On XX/XX/XXXX I sent a certified letter with an enclosed letter from XXXX XXXX stating the item was unable to be verified. On XX/XX/XXXX I sent yet another certified letter and the company has not responded since XX/XX/XXXX.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Mr.XXXX XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX  XXXX  account # XXXXxxxxxxxxxxx opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I tried to ask a refund of approx. {$4000.00} on Aidvantage. According to the COVID forbearance, any payments during the pandemic can be refunded. I tried to do just exactly this on XXXX XXXX and was told the refund would be credited back to my account on XXXX XXXX. There have been no notifications, or movement. I was told some emails would be sent but I never got anything. There should be a {$20000.00} credit by now, but it still currently stands at {$15.00}, XXXX.
Consumer complaint received 2019-04-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (CA)

In XXXX of this XX/XX/2019 I received a letter by mail. For a reduced payoff in the amount of {$670.00}. I had agreed to the payoff settlement. But after checking online through XXXX. XXXX XXXX  a partner of Navient had closed and transfer the accounts to XXXX. I would get and received calls threatening me with wage garnishment and taking my taxes. I can't believe I got scam again and they took the money out from my bank account
Consumer complaint received 2022-09-16
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)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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