davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
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)

I have sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ 325 month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the XXXX years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect information.
Consumer complaint received 2018-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Richard Sokoloff, Attorney At Law (TX)

Richard Sokoloff Attorney at Law claims to have served me with a judgement that I never received and didn't want to give me any to verify, stated my spouse and I received services and they would not give proof of being served. WHen we contacted the dental place they have no records of what services were provided so no way to verify that this is a legitimate debt. 
Worse is this was a judgement from XX/XX/2012 and now 6 years later that I have more than the amount they can place a lein from my insurance check, they place one. 
The lawyers info is XXXX XXXX  XXXX - XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2023-10-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have account with HSBC bank in XXXX My mom dad and transfer money from XXXX for my maintenance. After that bank freeze my account and I cant use the money from my account. 
Please let me know how long it will take to reopen my account. 
My bank send me this We are unable to process any transactions or requests as the bank is currently complying with its XXXX statutory requirements and the bank will be in touch in due course. Timescales are not available at this time.
Consumer complaint received 2018-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I was encouraged by Sallie Mae to defer payments after school after I graduated in 2005. I started making payments approximately a year later as I was instructed to do so. In that time my loan went from approximately {$80000.00} to {$100000.00}. I am never notified of the interest rate changes before they change. I have paid almost {$75000.00} to the Sallie Mae and now Navient ( Sallie Mae sold my loan to Navient ) and my balance is over {$75000.00}. It just does not add up. I am going to refinance my loan with XXXX to a fixed rate b/c payoff date with this loan seems to change. I am so distraught over this and I have never missed a payment. When I call Navient I do not get clear answers and I end up waiting on hold for 20-30 minutes sometimes.
Consumer complaint received 2020-08-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

Thank you
Consumer complaint received 2020-08-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

Thank you
Consumer complaint received 2023-03-10
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. (FL)

Hey it has come to my attention Experian reported transactions on my consumer report DEPT OF ED/XXXX ( XXXX ) and XXXX XXXX , so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer report
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

Hi there, First off, thank you for working hard to protect us, ordinary consumers from being bullied and manipulated by large banks and financial institutions. We truly appreciate all your work. 

I am filing a complaint against Barclay US bank going against their promises of their promotional ads of Barclay XXXX Card. I am a Barclay XXXX Credit Card holder for many years. My account is ending in XXXX. On XX/XX/2023, they emailed me a promotional email to earn 5X additional miles on all purchases through XX/XX/2023. I enrolled right away and spent over their required {$500.00} before the end of the promotion. I was expecting that they kept their promise of adding XXXX miles to my account 6-8 weeks after the end of the promotion, but until this day, they've never added anything. 

I reached out to them last week and they simply denied of such a promotion. They said they could not locate it. And when I sent their promotional email to them as the undeniable evidence, they said it was a systematic promotion. Isn't it a promotion a promotion by Barclay US, regardless of how it is generated or sent to the customers? They had baited the customers to use their cards to spend but then they simply ignored their promises to the customers. I am attaching their promotional email along with this message. 

Thanks so much in advance for your help. Your work is truly appreciated. 

XXXX XXXX
Consumer complaint received 2020-08-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

Thank you
Consumer complaint received 2023-03-11
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX 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 2023-03-11
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. (NJ)

This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and the completeness of the information is hereby requested to be provided within ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated responce or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Scans of my new passport and new SSN card were provided to experian via an upload to the dispute that was previously raised based on my previous CFPB complaint. My legal name on my credit file has not been corrected. In my opinion, SSN and passport scan are sufficient as proof of identity. 
If Experian is not able to correct this, it might be better if they simply do not maintain a file / record for my ssn at all. Let XXXX handle all future requests for a credit check.
Consumer complaint received 2020-02-05
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. (AR)

I decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

12 XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$4100.00} XXXX AR XXXX {$240.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX  TX XXXX {$240.00} XXXX  XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX {$460.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  TEXA XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX
Consumer complaint received 2018-10-23
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Bankruptcy : Dismissed CH-XXXX on eq XXXX Bk Chapter XXXX XX/XX/XXXX XXXX Bankruptcy chapter XXXX-dismissed XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2018-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (CO)

Early in 2018 I noticed my FICO credit score decreasing from a level which had been above 800. Upon gathering further details via credit reports it was noticed that Professional Finance Company had an account in for collections of {$750.00} with my name. Per the XXXX credit report the item was opened XX/XX/2018 from an original creditor listed as XXXX  XXXX. This was first reported on XXXX XX/XX/2018 which I disputed on line at XXXX in XX/XX/2018. Upon calling Professional Finance Co to clarify they did not confirm or provide information about the amount in collections. I have no record of a bill from whomever submitted the account. Also no mail or other records from Professional Finance. I submitted a certified letter to Professional Finance Co of XXXX CO in XXXX via US post office requesting detailed information. A signed receipt of the certified mail was received however again no information received from Professional Finance. I have also submitted via mail in XX/XX/2018 to XXXX disputing the information upon which they have not been able to supply any further data other than to confirm the debt is assigned to myself. I have over 30 years of strong credit records with never a collection issue. Now I have a negative note on my credit report ; however no one has provided me with any record of this credit item and where or how it originated. This is impacting my finances as I have taken out other loans this year which have been at less than preferred rated due to this unknown and unverified credit date by Professional Finance. I would like this removed from my credit and my credit score restored.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NY)

This is a robocall that doesnt give you an option to contact them. They call several times per day. This last one they said nothing at all when I answered. I do not owe any debt. I have a credit score close to XXXX. Im sick of their calls.
Consumer complaint received 2018-12-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

Im submitting this on behalf of my claim of financial deceptive of myself and my XXXXyo elderly mom. My mom, Mrs XXXX, XXXX Illinois took $ XXXX loan 2 years ago at OneMainFinancial, XXXX XXXX, XXXX, IL It was rewrotten twice, {$1500.00} and {$2500.00} for a total of $ XXXX to pay property taxes and a few home repairs. She understood these amounts would be added on she is on SSN, $ XXXX month fixed income. What appears to have happened is each time the loan was rewritten interest was added as principal thus paying 24.99 % interest on interest x3. I understand her wanting to maintain her independence but now with the payments so high she cant afford to live in the very house she told loans out to pay taxes on. Shes kept tract and paid back almost {$6.00} with a bill that says remaining balance {$12000.00} AND interest continues to accumulate. She did not understand adding on included unpaid high interest, she would not have agreed to that had she understood what the total payback payments would be. How is this not unfair deceptive unethical elder abuse/extortion? She is the involved party but I am filing the complaint that she was taken advantage of and a victim
Consumer complaint received 2021-07-19
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. (TN)

XXXX XXXX has been reporting inaccurate information to my credit reporting agency since XXXX of 2016. 

I have never had an account with this company. 

This company is stating that i owe them {$1900.00}, which i do not, this needs to be removed from my credit bureau, as soon as possible.
Consumer complaint received 2023-03-29
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 am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2020-08-01
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: EQUIFAX, INC. (FL)

Equifax is reporting the following inquiries without my permission or knowledge. 

These accounts are being reported without no permissible cause, no credit or loan was offered or receive. This is a violation of FCRA rules section 1681. 

1 ) XXXX XXXX XXXX- inquiry date XX/XX/2020, no permissible cause a violation 2 ) XXXX XXXX- inquiry date XX/XX/2020, no permissible cause a violation 3 ) XXXX XXXX XXXX XXXX inquiry date XX/XX/2020, no permissible cause a violation 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX card services- inquiry date XX/XX/2020, no Permissible cause a violation
Consumer complaint received 2023-03-11
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX  XXXX Balance : {$300.00}
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Consumer complaint received 2022-03-21
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX  Account # XXXX, XXXX  XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX 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 a account without my written instructions