davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXXXXXX XXXX Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 EQUIFAX : XXXX XXXX Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 XXXX : XXXX XXXX Date of Inquiry : XX/XX/2020
Consumer complaint received 2019-07-24
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. (KS)

I RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (PA)

Once again, my mortgage company, Caliber Home Loans, has failed to pay a tax that is covered by the escrow funds I pay. Once again they will pay this tax late resulting in late payments that my account has to cover.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 XXXX : XXXX XXXX Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 TRANSUNION : XXXX XXXX Date of Inquiry : XX/XX/2020
Consumer complaint received 2022-05-16
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 XXXX : XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX  Date of Inquiry : XX/XX/2020 XXXX : XXXX XXXX  Date of Inquiry : XX/XX/2020
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : USDOEXXXX XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} TransUnion : USDOEXXXX XXXX Balance : {$0.00} USDOEXXXX XXXX Balance XXXX {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-10-29
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. (CA)

Today I received a notice form Transunion credit Bureau that they finished my investigation on the XXXX XXXX account on my credit report and nothing was done. I have a lawyer in place to ensure that this wrong gets corrected. This account does not belong to me and according to court documents this account either needs to be deleted from my credit report or the payment status needs to say : not rated and/or bankruptcy. The information that is currently on my report is incorrect and the update that happened today is incorrect and goes against the fair credit act laws. Because of this if this account is not deleted or the correct payment status entered I will seek legal action against Transunion as well as XXXX XXXX because I have been denied loans because of this incorrect information.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : DPT EDXXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-08-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Source of dispute information : Navient Solutions , LLC Type of disputed information : Inquiry Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : This loan was issued under predatory pretenses. Navient Solutions lacked transparency about unfixed and variable interest rates. I was not given valid information about repayment options and was consistently given increased minimum payments despite reaching out to lenders as an attempt to keep the loan in good standing. 

The account with Navient Solutions monthly payments exceeded monthly gross income. I experienced financial hardship due to job loss and as well as the continued financial hardship due to the coronavirus pandemic. Reached out to the company about lowering payments so I can keep the loan in good standing but there was an issue with lowering monthly payments. I have even attempted to set up a payment delay with the lender but was unable to do so.
Consumer complaint received 2019-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (RI)

I took out a loan from XXXX XXXX XXXX in the summer of XX/XX/XXXX. The disbursement date was XX/XX/XXXX for the upcoming fall semester. My original balance on the loan was {$16000.00}. I was scheduled to start paying on the loan in XX/XX/XXXX. Before I made my first payment the loan was transferred to AES American Education Services with a notice that the terms of my loan were changed. As of XX/XX/XXXX I had paid {$15000.00} on this loan and noticed that I still owned nearly {$20000.00}. I had taken out a federal loan at the same time that was almost paid off in full for the same amount, but this AES loan had more than the original balanced still owned. I made telephone call to AES and they stated there was no way that I can talk to XXXX XXXX XXXX. I could send a letter and they would forward it to them. I did that in XX/XX/XXXX, asking for a reasonable settlement with no response. I am now in default. I have never signed any contract with American Education Services. I certainly would not have signed an agreement to pay back {$46000.00} for a {$16000.00} loan, as the change in terms notice states. I can no longer manage this loan, besides the fact that I think this is criminal, it reeks of extortion. AES told me that the interest is accruing daily. Even though I have been paying {$220.00} a month, the amount owed just keeps increasing. I dont believe that this company is complaint with truth in lending laws and should not be allowed to do business in my state.
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

My identity was stolen. I'm not sure what they are doing but I believe they have opened bank accounts and gotten loans according to my XXXX XXXX. My name is XXXX XXXX. My social security is XXXX. XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have encountered lots of theft of my belongings during the last 4 years. I have had to get at least 10 identification cards in the last 4 years. I'm not sure what all they have managed to do but I also believe they got unemployment under my name under pandemic and also took out loans with world finance and opened phone service accounts. And a credit card. I'm not sure what else but that's what it looks like as of now on my credit report. And may have also filed taxes under my name. 'm not in the same city I was before and can not report this to the local police until XXXX when I leave the facility I am at. I am currently at XXXX XXXX XXXX XXXX  nm XXXX. Please get back to me via email on what we can do to fix this and get more of an idea as to what has been done.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST NATIONAL BANK OF OMAHA (CT)

Mid-XX/XX/XXXXI received a letter from the XXXX XXXX, XXXX XXXX XXXX, XXXX, NE XXXX Fraud Prevention Department that they had placed a temporary block on my account because of suspicion of fraud and asked that I call them about the matter. Because I am XXXX XXXX I can not use the phone so responded to their letter by USPS mail telling them that I had not used the credit card involved in over 6 months and it indeed was probably a case of fraud. 
I received NO RESPONSE. 
Mid-XX/XX/XXXX I received an exact duplicate of their XXXX letter. 
Later in XXXX I received an invoice from XXXX XXXX MasterCard for {$180.00} with a transaction date of XXXX listed as a description " XXXX XXXX '' XXXX I noted on copy of invoice that it was a fraudulent charge and sent them a copy of my XXXX letter. NO RESPONSE. 
Asked my daughter to contact them by phone to settle the matter and get a replacement card. Received replacement with an expiration date of XX/XX/XXXX. Card no good. 
Daughter called again requesting a corrected card but card never arrived. Daughter called again and was told there was a balance due on card and new card could not be issued. Fraudulent charge had been deducted but interest they charged was still listed as a balance due. Daughter called again and asked to cancel card because of difficulty dealing with them, to which they agreed. 
The next day I received an email from credit card services telling me that my FICO score had been changed from XXXX to XXXX. 
XX/XX/XXXX I wrote to XXXX XXXX, Customer Care Sr. Specialist ( only name I had through all correspondence concerning the matter ) that they request my credit score be reinstated immediately because of their error or I would file suit against XXXX XXXX. It is now 14 days later and I have had NO RESPONSE. 
XXXX XXXX is deliberately jeopardizing my credit rating and I am contacting you for advice and help before I file suit against them.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : DPT EDXXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-07-24
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: GOLDMAN SACHS BANK USA (NC)

Marcus by Goldman Sachs put an unauthorized inquiry on my report on XX/XX/XXXX the issued documentation on XX/XX/XXXX stating it would be removed but XXXX has failed to remove it so I am filing a complaint against both companies to have the inquiry immediately removed.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!