davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to Cushman V Transunion 1997 Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5,15 USC 1681eb. Delete Accounts from my credit report because they are reporting inaccurate and misleading information how can accounts be showing all different Dates of last activity along with several other errors I want accounts deleted from my credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX # # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX I also all unaccount related inquires removed listed below Inquiry Name DATE of INQUIRY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (CA)

XXXX XXXX from Natural Credit Adjusters is contacting an employer indicating he has information on a loan application I submitted. I contacted him at the number provided and he proceeded to inform me it was in fact a debt call. When I advised I was unaware of the debt and requested he submit to me the documents referred to in writing, he started yelling at me that I knew I owed the debt. XXXX
Consumer complaint received 2016-03-16
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (CA)

On Friday, XXXX/XXXX/XXXX at XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for National Credit Adjusters informed me that her client was XXXX ( now XXXX XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX I contacted XXXX ( now XXXX ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, XXXX XXXX XXXX still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to National Credit Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (TX)

XXXX XXXX AND Goldman Sachs Marcus just completed a transfer of the XXXX XXXX ( Credit Card ) and the servicing has been horrendous. 

First - notifications of change in servicing was late ( letter received XX/XX/XXXX for a XX/XX/XXXX change in card ownership/servicing ) providing NO ability to serve the card at XXXX  XXXX OR GS Marcus either online or through their customer service lines. 

Second - GS online servicing is a poor excuse for a servicing capability and is significantly worse than XXXX XXXX. When trying to view authorized users to see if one of my kids is still on the account as an auth user after they got a notification from XXXX XXXX about them being a new authorized user ( incorrect... they had always been an authorized user on our XXXX XXXX ) ; the GS Marcus website stops responding - this occurred. When attempting to call- they're still over 30 days after transfer - providing a message of significant delays in servicing because of call volume. To boot, there appears to be no way to download transactions. 

Third - I believe their marketing material is misleading to the point of UDAAP violations given the lack of transparency that they have significantly reduced servicing capabilities in comparison to XXXX XXXX. 

Goldman Sachs is all sizzle and no steak and it appears to be all about the money. If you're not watching what they're doing here - you should. 

While I wanted to maintain a relationship with XXXX XXXX and the XXXX XXXX- the inability for me to conduct basic servicing capabilities has me removing the card from my wallet. 

Taking this card out of rotation is a choice I feel I'm being forced into making on a card I opened back in XXXX ; so this isn't only extremely inconvenient, but I'm having to do it with one of my oldest cards which may have detrimental impacts on my credit score. 

Others finding themselves in the same situation may not have the flexibility or privilege of multiple cards to swap in like I do.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I called Experian in XX/XX/XXXX I still have a SECURITY FREEZE on all accounts but no one ask for the Pin ANYMORE. 
This system is SET-UP FOR US TO FAIL and that is clear.

I was able to call and say my first and last name. I went to the dispute dept and the female answered. I said, I have a few concerns and I need to order my credit report to be sure about everything! She asked for my address and said, she has processed the report. Is there anything else I can do for you! I said I need a supervisor, she asked why, I said, because you didn't verify my account.

She said she did. In that call if it's recorded like they say, SHE DID NOT VERIFY MY IDENTITY AT ALL. A Pin from the Security Freeze is the extra security needed to verify my account.

Everyone has my name, social, address and my phone number.

Please note : No one had my Security Freeze Pin.

That is the reason I set up a Security Freeze.

She transferred me to the FRAUD DEPT instead of her supervisor so that is why I am filing this complaint. If she was so sure that this is a problem big enough for the FRAUD Dept then she should have verified my account properly. HIPAA has been in business since XXXX. 

I have not been protected in years. 

My credit is better now and it's just a matter of time before these credit bureaus allow the wrong person access to my account. 

I have dealt with unprofessional people angry at me for pointing out their sloppy service. My credit MATTERS! 

I am sending this report as an update so that CFPB is aware of Experian 's constant wrong doing and Violation of my account. 

Again, I set up a SECURITY FREEZE so I have a Pin number. 
Their new system is more relaxed with OUR files and with LESS SECURITY so Verification isn't necessary. Phone numbers change all the time. All it takes is for me to lose my cell phone number for not paying my phone bill. Or to lose my phone and the wrong person calls. Experian is welcoming Identity Theft by what they are doing... 

I have sent several complaints throughout the last few years and there has been no improvement. If I ever experience Identity theft again, I will know that Experian played a big role in not verifying my identity properly before sharing my information and before MAILING MY CREDIT REPORTS. XX/XX/XXXX XXXX XXXX  pst
Consumer complaint received 2024-02-13
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. (GA)

I am writing to express my deep concern regarding several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I discovered numerous accounts that do not belong to me and have been erroneously listed without my knowledge or consent. The following accounts are not mine : 1. Account name : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Account type : Auto Loan Amount : {$17000.00} 2. Account name : XXXX XXXX XXXX Account number : XXXX Account type : Secured Loan Amount : {$1400.00} 3. Account name : XXXX XXXX Account number : XXXX Account type : Unsecured Amount : {$410.00} 4. Account name : XXXX XXXX XXXX Account number : XXXX Account type : Collection Amount : {$2400.00} 5. Account name : XXXX XXXX XXXX I Account number : XXXX Account type : Collection Amount : {$610.00} 6. Account name : XXXX XXXX XXXX I Account number : XXXX Account type : Collection Amount : {$1600.00} I want to emphasize that I have never engaged in any business transactions with the entities listed above, nor have I authorized any inquiries or activities related to these accounts. It is evident that I have become a victim of identity theft, and these fraudulent entries are severely impacting my financial reputation. I am formally requesting that Experian conducts a thorough investigation into these discrepancies and takes immediate action to remove the accounts.
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

I have a credit card account with American Express National Bank ( originally American Express XXXX XXXX  ). This account went into default during 2020 because of Covid-related loss of income. 

My contract with American Express specified that late fees will not exceed {$38.00} per billing cycle, as follows : ( 1 ) the first time it happens, the late fee is {$27.00} ; ( 2 ) if late payment happens again within 6 billing cycles, the late fee is escalated to {$38.00}.

American Express has billed and is attempting to collect excessive late fees. I do not have every statement since the account went into default, but I have three statements that show the following : ( 1 ) first late fee charged was {$29.00}, not {$27.00} ; ( 2 ) a second late fee was {$40.00}, not {$38.00} ; and ( 3 ) a third late fee was also {$38.00}, not {$40.00}.

This may seem trivial when you consider my account alone, but this type of unfair billing seems to be a systemic issue with American Express. CFPB has previously sanctioned American Express XXXX XXXX  for unfair fees and billing : https : //www.consumerfinance.govXXXX If this is happening to me, it is unlikely that I am the only one.
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (CA)

I have 9 Federal student loans with XXXX that were once serviced by the department of education. These loans were sold, without my consent to XXXX who now claims that because they are no longer affiliated with the Dept. of Edu my loans no longer fall under the current student loan repayment moratorium that was put in place because of the pandemic. As a result I now have 9, 90+ day late payments reporting to my credit report. I wasn't paying them because I was under the impression that because they are federal student loans originated by the Dept. of Edu that they would fall under the payment freeze. The 9, 90+ day late payment reports are unjustly harmful to my credit. I shouldn't be punished because the identity of my loans were changed without my consent, or my knowledge.
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (MI)

FILED A DISPUTE ON XX/XX/XXXX CREDIT AGENCY STILL HAS NOT FINISHED THEIR INVESTIGATION WHICH PER THE FAIR CREDIT REPORTING ACT, SECTION 611 ( A ) ( 5 ) IF YOU CAN NOT VERIFY THE INFORMATION WITHIN THE 30 DAY TIME FRAME YOU MUST DELETE ALL THE DISPUTED AND UNVERIFIED ACCOUNTS.
Consumer complaint received 2022-01-25
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. (CA)

I have 9 Federal student loans with XXXX that were once serviced by the department of education. These loans were sold, without my consent to XXXX who now claims that because they are no longer affiliated with the Dept. of Edu my loans no longer fall under the current student loan repayment moratorium that was put in place because of the pandemic. As a result I now have 9, 90+ day late payments reporting to my credit report. I wasn't paying them because I was under the impression that because they are federal student loans originated by the Dept. of Edu that they would fall under the payment freeze. The 9, 90+ day late payment reports are unjustly harmful to my credit. I shouldn't be punished because the identity of my loans were changed without my consent, or my knowledge.
Consumer complaint received 2022-01-25
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. (CA)

I have 9 Federal student loans with XXXX that were once serviced by the department of education. These loans were sold, without my consent to XXXX who now claims that because they are no longer affiliated with the Dept. of Edu my loans no longer fall under the current student loan repayment moratorium that was put in place because of the pandemic. As a result I now have 9, 90+ day late payments reporting to my credit report. I wasn't paying them because I was under the impression that because they are federal student loans originated by the Dept. of Edu that they would fall under the payment freeze. The 9, 90+ day late payment reports are unjustly harmful to my credit. I shouldn't be punished because the identity of my loans were changed without my consent, or my knowledge.
Consumer complaint received 2022-01-25
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. (MD)

XXXX and TRANSUNION both continue to report an inaccurate account under my personal profile. 

I have tried several times to dispute this account as being inaccurate, yet they continue to report same. 

The data furnisher ( XXXX XXXX ) continues to furnish information reporting a collection under a name which is not my name. I have supplied their only proof of this and shown that this name they are reporting this account under is not my name, it is inaccurate and thus needs to be deleted from my personal account per the laws of the FCRA that govern the credit reporting bureaus. 

In my letter to XXXX XXXX dated XXXX XXXX I requested the validation of the debt they were claiming, and there were supposed to provide me with the below - 1 -enough proof that the debt was rightfully mine.

2 -proof that you own this debt with a clear title of the debt.

On both of these requests, they failed to provide proof in their response letter. 

Instead they provided me with a contract of a debt they purchased for a business loan ( not a personal loan ) and one that does not bear my name.

May I point out to you that in response to item number 1 - the name on the contract they provided to me is Definitely not my Name. it is Inaccurate information, and I do not go by that name. 

Therefore, I am requesting that this account be removed from my credit profile with immediate effect. XXXX keeps reporting this account regardless of several communications with them which i have been document stating these inaccuracies. 

they are violating my rights and laws under the FCRA laws.
Consumer complaint received 2022-01-25
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. (MD)

XXXX and XXXX both continue to report an inaccurate account under my personal profile. 

I have tried several times to dispute this account as being inaccurate, yet they continue to report same. 

The data furnisher ( XXXX XXXX ) continues to furnish information reporting a collection under a name which is not my name. I have supplied their only proof of this and shown that this name they are reporting this account under is not my name, it is inaccurate and thus needs to be deleted from my personal account per the laws of the FCRA that govern the credit reporting bureaus. 

In my letter to XXXX XXXX dated XXXX XXXX I requested the validation of the debt they were claiming, and there were supposed to provide me with the below - 1 -enough proof that the debt was rightfully mine. 

2 -proof that you own this debt with a clear title of the debt. 

On both of these requests, they failed to provide proof in their response letter. 

Instead they provided me with a contract of a debt they purchased for a business loan ( not a personal loan ) and one that does not bear my name. 

May I point out to you that in response to item number 1 - the name on the contract they provided to me is Definitely not my Name. it is Inaccurate information, and I do not go by that name. 

Therefore, I am requesting that this account be removed from my credit profile with immediate effect. XXXX keeps reporting this account regardless of several communications with them which i have been document stating these inaccuracies. 

they are violating my rights and laws under the FCRA laws.
Consumer complaint received 2016-03-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Ditech Financial, LLC In the past 2 years documents for a modification have been submitted. The current requests to keep resubmitting documents have been ongoing since XX/XX/XXXX. The first submission was XX/XX/XXXX-XX/XX/XXXX no response was ever given to us. 
As of this month we were billed over XXXX for an escrow shortage. We need to have explained to us this outrageous increase when our tax bill is only XXXX. 
Since our mortgage was resold to Green tree our mortgage has increased to XXXX from approximately XXXX.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and have provided All three credit reporting agencies with copies of my identity, police report and FTC report. I have requested for a fraudulent account to be removed from my credit report. The attached Credit Reporting agency has not complied with my request.
Consumer complaint received 2021-05-13
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. (TN)

I have submitted disputes to experian two times, and I have provided them with everything they have requested ( police report, drivers licenses, passport, insurance bill ). Experian will not remove this fraudaulent account from my credit report. This is very frustrating and is a inconvience to me. Experian is reporting inaccurate information and they need to be held accountable.
Consumer complaint received 2022-10-25
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.
Consumer complaint received 2022-01-25
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. (WA)

I'm using my rights as a Consumer to dispute inaccurate information of my consumer report. XXXX is reporting a charged off on my consumer report with a balance of {$120.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something