davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XX/XX/18 Does not list my Former & Current Employers but on Report # XXXX Dated XX/XX/18 it list Employers Still missing since Report # XXXX Dated XX/XX/18 Nurse Finders & Staffing Plus I have even sent a copy of my XXXX and still no update this has been going on now for over 5 months with current Employers and Experian has not updated nothing. 

No Former or Current Employers showing on page 19 of 20 report # XXXX nothing showing End of report Current Employers : Staffing Plus Nurse Finders Starling Charities All other Employers are Former
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both XXXX and Equifax. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?
Consumer complaint received 2022-07-11
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-02-17
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$120.00} XXXX XXXX {$290.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield & Associates claims to have spoken with me on XX/XX/2019. This is FALSE. They have collections on my credit profiles in the amounts of {$1100.00}, {$1100.00}, {$1600.00}, {$1100.00}, {$660.00}, and {$1300.00}. They claim that I owe these amounts to XXXX XXXX XXXX. I've asked them to provide signatures as proof. They haven't because they can't. I have never been to that medical facility in my life as I've not been to a doctor in a few years. I don't owe anything and this debt is not mine.
Consumer complaint received 2018-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (MD)

On XX/XX/2018 a unauthorized charge on my debit card of XXXX for XXXX   was made. 
This charge was not made or initiated by me in any way. 
On XX/XX/2018 I called my bank BB & T to immediately let them know this charge was unauthorized it wasnt me. I was told to wait until the charge stop pending and fully clears. 
Now I did not have {$410.00} in my account my account was overdrawn {$240.00} extra dollars. Which left my account in a negative {$160.00} due to me enrolling in overdraft protection. 
Now in that process waiting for the transactions to clear so I can file a unauthorized dispute XX/XX/XXXX BB & T charged me XXXX in over draft fee which overdrawn the account XXXX XX/XX/XXXX I filed a dispute with my bank for a unauthorized charge to my card of {$410.00} via online system XX/XX/XXXX I was charged another {$36.00} in over draft fees XX/XX/XXXX I was charged yet again another {$36.00} dollars in over draft fees On XX/XX/XXXX I called the bank to see what was going on with my dispute and why I havent recieved any credit to my account or my over draft fees return. 
I was told by the bank representative that the dispute was denied. I responded how I did not make the purchase I did not initiate it it was unauthorized. I then got a answer of them telling me its nothing they can do. And it will be a client lost I then contacted CEO branch of BB & T and they are further investigating Keep in mind my account is still over drawn at XXXX at this time I still have yet to have my problem solve or credit or refund on theover drafts fees I have absolutely no money to my name and a Want this resolved I shouldnt have to add money to my account to use it. 
XXXX XXXX cash stole my debit card information and initiated a {$410.00} transaction with no consent
Consumer complaint received 2020-11-14
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. (TN)

This credit bureau is inaccurately reporting payments as late for the months of XXXX, XXXX and XXXX when I made the payments on time, which is the last day of the month when my car note is due to XXXX XXXX. The loan is now paid in full but the inaccurate derogatory marks for the month of XXXX isnt correct.
Consumer complaint received 2023-03-20
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. (NC)

Issues with TransUnion not allowing me to file complaints at all anymore about the issues that I am having. XXXX has me listed in a fraud thing and they havent tried to fix anything. Its under XXXX XXXX, i am XXXX XXXX. I am so sick of people taking my information and then me being blamed for everything.
Consumer complaint received 2019-05-09
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)

I filed a dispute with CFPB in April regarding a bankruptcy listed on my credit report for XXXX. When I called and wrote the bankruptcy court they had no info to give me regarding the bankruptcy. The bankruptcy court also sent a letter to me stating info isn’t given to credit bureaus. I challenged XXXX and told them per the debt collection laws they must make a full investigation of my Dispute. I requested XXXX disclose the names and phone numbers of who they spoke to at the bankruptcy court as the law require some them to get info directly from the furnished of that information. Instead I got a simple email response saying the investigation is complete. I never received it’s method of investigation. It never told me who it spoke to from where and when. This is in direct violation of the Fair Debt Collection Practices Act. I have informed them of this yet I still get no research, no names and no original furnished info. I’m demanding they send me the full names and numbers of the persons they have verified this with at the courthouse. Not no fictitious name like XXXX. XXXX is not an original furnished per the FDCPA
Consumer complaint received 2024-02-07
Product: Credit reporting 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. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2019-05-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

agent who did not identify themselves but trying to collect under the name of carrington requesting monies owed when discharged in  bankruptcy.would not leave initially kept harassing wanting money. these gestapo tactics will not be tolerated.agent was out of line
Consumer complaint received 2018-10-26
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. (CO)

FIRST - CFPB is the best and an excellent agency and now I understand why needed. 

I filed a complaint with CFPB previously - XXXX about EXPERIAN. As a result they sent me a paper credit report via US Mail services. I received on XX/XX/18. Report # XXXX. I reviewed just now on XX/XX/18. At first I thought there was fraudulent information on the report I received and called 2 of the companies shown on the report that I had never heard of : 1. XXXX XXXX XXXX and 2. XXXX XXXX XXXX XXXX - as the report showed me as joint responsibility with a XXXX XXXX XXXX and another with an XXXX XXXX. I have never heard of either. And both companies had no record of me when I called them. They advised that EXPERIAN had the wrong information for me. 
One of the accounts on the report I received had XXXX XXXX as my wife. Which is impossible as I am XXXX and have been with my man/husband since college. 
I realized going line by line on the report EXPERIAN sent me - none of the accounts were mine. I do have a XXXX 's credit card but not the account they state and mine is open. Not closed. But again - none of the accounts are mine. NOTE : XXXX and XXXX both have my correct and current information. 
HOW COULD EXPERIAN SEND ME THE WRONG REPORT? This scares me. I have been unable to get a report ever from EXPERIAN via PHONE or ONLINE. They always say I have to submit via mail. Which I won't send my personal information through mail as if lost, I am totally open to fraud. 
Unlike XXXX AND XXXX - EXPERIAN does NOT have a number to call to speak to a human. Why is that? 
I am going through CFPB first to obtain my real credit report and to make sure it matches XXXX  and XXXX. 
I will go to my attorney [ and press ] if EXPERIAN has opened me up to fraud. Now I know why I haven't been ever able to get a free credit report each year via the phone or online - they have my file totally screwed up. 
I want my correct credit report with my accounts on it and I want a security freeze placed on my account right away. And I want an EXPERIAN representative to call me and tell me they are straightening this mess out. This is unbelievable in this day and age. And I want to be able to go online every year to obtain my free credit report just like I get every year from Experian and XXXX. 
CFPB - please help me. Thank you once again. 
ps. I did not attach the report received as I was not sure that was the correct thing to do but I can if needed. None of it is my information.
Consumer complaint received 2018-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MS)

I had deferred my loans for a little while. When Obama got into Office and started the payment plan that goes by your annual income. I started paying back my loan. I was told that I had to pay for 10 years. As of today, they told me I only paid in for two years. That is not true. I was with salie mae then with navient. Please help me. If you have any more question. email address is XXXX XXXX
Consumer complaint received 2017-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

At XXXX on XXXX XXXX, XXXX, I initiated an ACH withdrawal of funds ( {$680.00} ) from my XXXXCoinbase account to XXXX XXXX . Previous similar transfers had always arrived within 4 business days, as stated in the XXXX/Coinbase terms. In fact, most had arrived sooner, within 1-2 days. This transfer, however, never arrived at my bank account. It has now been 12 days. The status of the transfer is indicated on the Coinbase website and the XXXX website as " Complete, '' and has been indicated as " Complete '' since at least XXXX XXXX, but the funds have not arrived at my bank.
Consumer complaint received 2023-03-20
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. (IL)

Bankruptcy- account # XXXX, XXXX # XXXX Bankruptcy- account # XXXX, case # XXXX i pulled my credit report and seeing my bankruptcys on my credit reports and not understanding why when the court house doesnt share information to credit bureaus 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 an account without my written instructions.
Consumer complaint received 2022-03-12
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. (LA)

1 ) XXXX and Experian REFUSE to remove an account that was as a result of the XXXX breach, while XXXX removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) Experian has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am writing to bring to your immediate attention a grave matter concerning my credit reports, which has resulted in severe inconvenience and distress. Recently, I received two credit reports in the mail that do not pertain to me but share my name. Upon scrutiny, I discovered that my credit profile has been erroneously merged and intermingled with those of two other individuals who share my name but possess different social security numbers. 

Despite my earnest attempts to rectify this situation, Experian, XXXX, and XXXX have all refused to address the matter, leaving me in a vulnerable position. I have reached out to each of these credit bureaus through multiple channels, including the CFPB portal, phone calls, and traditional mail. Additionally, I have diligently uploaded copies of my driver 's license and social security number numerous times to substantiate my identity and plead for the correction of this egregious error. 

The social security numbers erroneously linked to my profile are ( see attachment ) and ( see attachment ). Despite providing comprehensive documentation and evidence, the credit bureaus have repeatedly requested the same information and have shown an unwillingness to resolve this matter. 

I am hereby formally requesting the immediate deletion of the mixed files associated with the following creditors and debt collectors : 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 Furthermore, I demand a cease and desist from all creditors and debt collectors linked to these erroneous accounts.

It is abundantly clear that the information in question was not properly verified by the collection agencies, creditors, or credit bureaus, leading to a blatant violation of my rights and privacy. I am profoundly disappointed by the credit bureaus ' refusal to address this matter in a timely and effective manner.

While I strongly prefer to resolve this issue expeditiously and amicably without resorting to legal action, I am prepared to pursue further measures to ensure the accuracy of my credit reports and safeguard my rights as a consumer. 

I implore the Consumer Financial Protection Bureau to intervene and compel Experian, XXXX, and XXXX to take immediate action to rectify this error and ensure the accuracy of my credit reports. Furthermore, I emphasize that I, myself, am writing this letter, and I do not have any credit bureau or third-party agency representing me. I request that a human agent verify this information and explicitly state that I do not consent to any third-party entities, such as e-oscar or XXXX, involving themselves in this matter, as they are not deemed reliable sources by me. 

Thank you for your urgent attention to this matter. I anticipate your swift and decisive action in resolving this distressing situation.
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (IL)

Equifax deleted items out of my credit report without my consent. The loan XXXX  should be furnished on my report and today XX/XX/2022 it was removed with my consent as a consumer. I spoke with Equifax and they stated that they have the right to do whatever they want to do, which is incorrect because I am the consumer I have the right to tell Reporting Agencies what should be on my report.
Consumer complaint received 2017-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 11 years. There are 2 credit card accounts and 3 credit inquiries listed on my Trans Union, XXXX and XXXX credit report that are fraudulent, unauthorized and do n't belong to me. The following credit card accounts and credit inquiries are fraudulent and unauthorized : XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX, balance {$1500.00}, XXXX XXXX : XXXX, XX/XX/XXXX, balance {$1000.00}, The following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX, XX/XX/XXXX , XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2017-06-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (GA)

Leased vehicle on XX/XX/XXXX. Made 19 monthly payments ( inclusive of the initial payment due at lease signing ), through XX/XX/XXXX. <P/>On XX/XX/XXXX vehicle was struck and rendered a total loss. <P/>On XX/XX/XXXX was contacted by the insurance company of the party at fault and was offered {$14000.00} which they said would satisfy the lien holder, VW Credit. I rejected their offer explaining that the vehicle was worth several thousand dollars more. Money which I had put down in order to lower the balance and resulting monthly payments. <P/>On XX/XX/XXXX I contacted VW Credit to advise of the situation at which point they advised me that they had ( on that date ) just issued a loan payoff letter guaranteeing title to the insurance company in return for the {$14000.00} offered ( and earlier rejected by me ). I asked how I would recoup my investment at which point they very abruptly answered " we 're satisfied, you 'll need to take up your concerns with the insurance company. '' On XX/XX/XXXX I contacted the insurance company and again disputed the amount of the settlement. I was advised to provide comparables supporting my claim of the vehicle 's value. I gathered and provided the comparable vehicles, as instructed, on that same date. <P/>On XX/XX/XXXX the insurance company finally conceded that their initial offer was erroneous and modified their offer to {$17000.00} plus taxes ( {$1200.00} ) and fees ( {$18.00} ), totaling {$18000.00}. <P/>I accepted on the premise that the amount offered {$18000.00} less the payoff of {$14000.00} would return to me {$4200.00} which was approximately the amount I paid into the lease at the start. <P/>I was then advised by the insurance company that the payoff amount had increased to {$15000.00} reducing the balance payable to me to {$2700.00}, a difference of {$1500.00}. I asked them to explain the increase in the payoff amount, which they could not. We contacted VW Credit together and was told plainly that if the insurance company had agreed to pay more then they wanted to collect more and therefore refused to honor their original payoff ( again, which was offered in writing ) of {$14000.00}. <P/>The insurance company ( indifferent to who they pay ) has since satisfied VW Credit in the amount of {$15000.00} and issued to me a check in the amount of {$2700.00}, effectively removing themselves from the dispute. <P/>VW Credit openly acknowledges that their demand of {$15000.00} represents the full balance of the loan ( {$13000.00} residual, plus 17 remaining payments of {$140.00} ) with no discount for unearned interest.