davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (SC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-10
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: STERLING JEWELERS, INC. (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed STERLING : Inquiry Date XX/XX/2018 XX/XX/XXXX
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Called MOHELA on XX/XX/XXXX to ask for COVID-19 loan repayments refunded in full, all payments since XX/XX/XXXX, which is {$15000.00}. I was told by MOHELA operator that it would take 30 days and that I will be refunded through check. Even when I asked if I could be refunded through direct deposit, the operator said no it could only be through check. I asked if I could have confirmation for that request, either an email or a confirmation number, and was told that no there would be no confirmation. I called again on XX/XX/XXXX to follow up on progress and confirm request. I was told that it was received, said it could take 60 days, and that payment will be refunded the same way in which it was paid for, which was direct deposit. I am getting misinformation on the status of my refund and do not know what is right. It is now past the 30 days estimate and there has been no change or update on receiving my refund.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX I was notified XXXX XXXX report 30 day late in XX/XX/XXXX to credit bureaus. I contacted XXXX to get this resolved for several days from XXXX XX/XX/XXXX and submitted a dispute to Transunion on XXXX and to XXXX on XX/XX/XXXX. 

It is very difficult to speak with someone at XXXX on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed XXXX XXXX XXXX to get a status on the correction. 
I then contacted Transunion and was advised a XXXX Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with Transunion Customer Relations Supv-XXXX and XXXX Customer Service Rep-XXXX XXXX XXXX indicated that he would contact a supv and get back with me. Transunion has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

XXXX never showed the XXXX account as reporting, however I rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. XXXX has not received any correction request from XXXX XXXX XXXX XXXX XXXX responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with Transunion and XXXX Customer Service Rep and that I need to speak with a supervisor. I called XXXX and there is no other ph # than the one that transfers you to a Customer Service XXXX in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with XXXX in XXXX and unable to speak with anyone with authority to resolve the issue. 

XXXX is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b
Consumer complaint received 2023-03-25
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. (PA)

I am writing to delete the following information in my file. 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 2022-12-14
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. (CA)

I have put in multiple reports, called and emailed the agencies as well as collectors to rectify this situation. 

My rights under FRCA have been violated by XXXX XXXX, XXXX, and Experian based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX XXXX was returned within 30 days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX XXXX XXXX Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. This was attached to my dispute letter. Accounts have been updated which means they was not correct to begin with.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MI)

Freedom Mortgage has falsely reported me as later on my payments which auto deduct. This dreadful mess appears to be almost corrected ; however, the balance of my loan should be {$100000.00} after XX/XX/2016 payments. The XXXX shows a balance of XXXX. I would like this corrected and XXXX showing the correct balance sent to me so that I can file my taxes.
Consumer complaint received 2022-10-15
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. (NY)

I have a XXXX XXXX  on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off account
Consumer complaint received 2020-02-26
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: Dovenmuehle Mortgage, Inc. (GA)

The mortgage company is showing that I paid my mortgage late though I spoke with their agent who advised nothing would be reported to my file as long as I paid as agreed. The company states they did but have never provided the recording to qualify this statement. Im being penalized as a consumer and this is unjust and unfair. Upon discovering the discrepancy and incompetence of said agent I immediately remedied the issue. Please remove this from my file as soon as possible
Consumer complaint received 2015-06-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (MI)

The bank assessed fees of {$35.00} for overdraft and also a {$27.00} a day fee for the account which they are now trying to sue me for. These fees are obsurd and also saying they paid when they did not pay, and they said they did the overdraft protection is discrecionary and nothing was approved or paid.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In a recent complaint I filled in regard to 3 XXXXXXXX XXXX XXXXXXXX collection accounts on my credit report transunion and XXXX verified the debt was accurate XXXX in turn could not verify the debt and it was removed the process took over 44 days for me to be informed that they verified the debt 14 days longer then required in other instances I have also asked the creditor and the bureaus to show me the signed original contract with my signature agreeing to the debt in which I have not received any paperwork on I feel like 2 or the 3 bureaus haven't really tried to resolve this problem as the only response I get is verified as accurate even when I can't get the information I have asked for on many occasions
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX Balance : {$130.00}, XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (TX)

This is XXXX XXXX and I am submitting another CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I am demanding you to please correct the following accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Under the Fiar Credit Rporting Act, I am entitiled to request an investigation and ask you to correct the erroneous information being reportedon my Credit File.
Consumer complaint received 2022-12-14
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. (CA)

I have put in multiple reports, called and emailed the agencies as well as XXXX to rectify this situation. 

My rights under FRCA have been violated by Trans Union, XXXX, and XXXX based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX XXXX was returned within 30 days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX XXXX XXXX  Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (MO)

I've been victim of ID theft. OnLine information services has tried to collect a utility debt on behalf of XXXX XXXX XXXX XXXX XXXX. 
This account was opened fraudulently using my name and SSN. I have informed OnLine Information Services about this as well as opened a report with XXXX XXXX XXXX XXXX and I have provided all the information requested. 
Even though all the requested items were delivered, OnLine Information Services continued collection efforts and affected my credit report and score by reporting the collection with all XXXX  credit bureaus while the investigation still on going. They did that even though they received from me the letter from FTC about the ID Theft and the letter called " Notice to Furnishers of Information : Obligations of Furnishers under the FCRA '' where clearly they are obligated to respond to consumer claim in a timely manner and stop all collection efforts during the investigation is in course, including reporting to credit bureaus.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (MA)

In accurate information being reported across all three bureaus. charge offs Ive been reported by law 15 USC 16 EB charge-offs any inaccurate information must be taken off. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Dealer Services has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet Wells Fargo Dealer Services has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on XXXX XXXX.
Consumer complaint received 2023-03-25
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 identified information on my credit report that are a result of identity theft. These items are not related to any transactions completed by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
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. (MD)

Hello. On XX/XX/, and went to a car dealership in Maryland called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) to look at a vehicle I was interested in. I applied for a used car loan through XXXX XXXX XXXX on that same day. The car that I was interested in was a little more than the loan that I was approved for. When I asked the sales representative that I was working with if hed be able to work with me around the loan that I was approved for through XXXX XXXX, he said yes. I ended up refusing the vehicle due to some issues that I discovered with it on the test drive. About a week later when I checked my credit report, I realized that there were 2 hard inquiries from the day that I visited XXXX XXXX that I did not authorize. The sales representative there must have run my credit on his own to see if he could get me a loan for the full amount of the car, but I did not consent to this. On XX/XX/ I tried disputing the inquiries through the credit bureaus on which they appeared, but was told that The only way to do so with through the company itself and then through the CFPB if The company would not resolve it. I called XXXX XXXX on that same day ( XX/XX/ ) & no one responded to me ( still hasnt ). I would like these inquiries to be removed immediately as they were not a result of my consent to run my credit ; I didnt authorize it and I wasnt even informed that it would be done.
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello. On XX/XX/21 and went to a car dealership in Maryland called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) to look at a vehicle I was interested in. I applied for a used car loan through XXXX XXXX XXXX on that same day. The car that I was interested in was a little more than the loan that I was approved for. When I asked the sales representative that I was working with if hed be able to work with me around the loan that I was approved for through XXXX XXXX, he said yes. I ended up refusing the vehicle due to some issues that I discovered with it on the test drive. About a week later when I checked my credit report, I realized that there were 2 hard inquiries from the day that I visited XXXX XXXX that I did not authorize. The sales representative there must have run my credit on his own to see if he could get me a loan for the full amount of the car, but I did not consent to this. On XX/XX/ I tried disputing the inquiries through the credit bureaus on which they appeared, but was told that The only way to do so with through the company itself and then through the CFPB if The company would not resolve it. I called XXXX XXXX on that same day ( XX/XX/ ) & no one responded to me ( still hasnt ). I would like these inquiries to be removed immediately as they were not a result of my consent to run my credit ; I didnt authorize it and I wasnt even informed that it would be done.