davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a complaint before to request a fraudulent student entry from XXXX / XXXX XXXX  to be removed from my credit file, transUnion responsed XX/XX/2020 : We have reviewed your complaint along with the information you previously provided regarding this issue. After reviewing the activity on your file, along with the information in our data base, we have removed the XXXX XXXX XXXX XXXX # XXXX account from your TransUnion credit report. In addition, in your previous CFPB Complaint # XXXX, you referenced XXXX XXXX XXXX # XXXX ; therefore, the response advised you that that account is not appearing on your TransUnion credit report. The XXXX XXXX # XXXX account was not identified within that complaint. In order to protect your privacy, we have mailed an updated copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX  ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs. 
DESCRIPTION OF NON-MONETARY RELIEF We received your complaint about the item in your credit report, and apologize for any difficulty you may have  experienced. The XXXX XXXX account identified in your complaint has been deleted. 

However, today, when I checked my credit file again, the information was added back! What does transUnion do to protect consumers right?
Consumer complaint received 2020-02-11
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: CITIBANK, N.A. (NY)

Dear XXXX/ citi bank, Thank you for your request of my drivers license, however, it contradicts to the information you send over through CPFB. When I asked your firm to send over any supporting document to prove the loan belongs to me, you sent over a foreirgn passport indicating the loan belongs to a foreign student. I don't think a foreigner will have a US drivers license. I already told you that I'm a US citizen and I never lived in Texas, where according to your document, is the place the loan originated. Thus I have to believe that you don't have a drivers license on file for this alleged loan, and you have no proof that it belongs to me. Unless you can send over the alleged drivers license on file to connect this loan to me, I demand that your firm remove this fraudenlent information from my credit file within 5 business days you receive this. Otherwise I will sue you for punitive damages.
Consumer complaint received 2020-02-11
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. (WI)

Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 ( where it is highlighted ) it shows the two late fees were  reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

We applied with XXXX  to see best options for refinancing our house. XXXX  claimed we did not qualify with any of their customers. Then the phone calls started from Loan Depot. Loan depot has used XXXX, and XXXX. Loan Depot will call from one number then the other by computer generated calls. Have tried to get them to stop calling all day long from both numbers from around 8-10 times a day. When you press the number to be removed from their calling list they call a few minutes latter. They need to stop the harassment.
Consumer complaint received 2020-02-11
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. (WI)

Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 (  where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit  bureaus
Consumer complaint received 2020-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

My ex- wife and I had a spousal consolidation. My ex- wife has paid get portion of the loan and it has been court ordered that I am responsible for the remainder of the loan. I wanted the servicer Navient to reconsolidate the loan due to the court order but they are unwilling to do so. My ex is no longer financially responsible for the loan.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE CREDIT CARD ( XXXX XXXX ) ( Original Creditor : 12 CAPITAL ONE BANK USA NA XXXX ) IS CLAIMING I OWE THEM {$260.00} AS OF TODAY, THE ACCOUNT WAS CLOSED AROUND LATE 2019 DUE TO MISLEADINGS AND CHARGES WITH THIS BANKS SERVICES. 

XXXX XXXX ( Original Creditor : 12 CAPITAL ONE BANK USA NA XXXX ) did not supply all requirements under 15 usc 1692g.
Consumer complaint received 2020-02-11
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: Nelnet, Inc. (NY)

Dear FirtsMark/ XXXX XXXX, Thank you for your request of my drivers license, however, it contradicts to the information you send over through CPFB. When I asked your firm to send over any supporting document to prove the loan belongs to me, you sent over a foreirgn passport indicating the loan belongs to a foreign student. I don't think a foreigner will have a US drivers license. I already told you that I'm a US citizen and I never lived in Texas, where according to your document, is the place the loan originated. Thus I have to believe that you don't have a drivers license on file for this alleged loan, and you have no proof that it belongs to me. Unless you can send over the alleged drivers license on file to connect this loan to me, I demand that your firm remove this fraudenlent information from my credit file within 5 business days you receive this. Otherwise I will sue you for punitive damages.
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

I applied for XXXX XXXX. Over the phone. I was mailed out a chip to insert in my phone never worked. I was informed to take it to XXXX XXXX in XXXX Ga. the guy stated he could not help me was he keep the chip. So I got a phone thru XXXX. They keep sending me threatening letters and keep putting in my credit report. Prove to them never use the chip. I have sprint on that same phone and number.
Consumer complaint received 2023-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Regarding False Debt on Credit Report Dear Sir/Madam/They, I am writing to file a formal complaint against Midland Credit Management in relation to a debt that was falsely added to my credit report on XX/XX/XXXX for the amount of {$2600.00}. This inaccurate information is negatively impacting my financial history and is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

I discovered the erroneous debt on my credit report in early XXXX and immediately took steps to rectify the situation. I contacted Midland Credit Management and requested that they investigate the matter and remove the false debt from my credit report. However, despite my repeated attempts to contact & dispute the debt, Midland Credit Management has failed to take appropriate action and continues to report this inaccurate debt. 

This willful noncompliance with the FCRA laws by Midland Credit Management is highly concerning and has caused significant harm to my financial well-being. The false debt has resulted in denial of credit applications, increased interest rates, and various other negative consequences. I have attached supporting documents, including copies of my credit report highlighting the inaccurate debt and correspondence with Midland Credit Management, for your reference. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Midland Credit Management for their failure to comply with the FCRA. I am seeking the following remedies : 1. Immediate removal of the false debt from my credit report. 
2. Correction of any negative impact caused by the false debt, including the adjustment of interest rates and credit scores. 
XXXX. Compensation for any financial losses I have incurred as a result of this false debt. 
4. Imposition of appropriate penalties on Midland Credit Management for their willful noncompliance with the FCRA. 

I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and effectively, ensuring that justice is served. I appreciate your attention to this matter and look forward to a swift resolution. 

Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I disputed accounts with the credit furnisher XXXX XXXX on XXXX occasions via certified mail as well as with the credit reporting agency, Experian. On the first occasion the furnisher reponded to my dispute contradicting my dispute with their evidence that was intended to support my ownership of this debt and requested that the credit reporting agency preserve this information on my credit report. I responded with a second dispute including legal documentation that validated my dispute, contradicting the evidence they presented with me as the owner. After the second dispute via certified mail with the furnisher I received no further correspondence, with evidence disputing my legal documentation. However, they contacted the creditor without investigation and asked that they keep this information on my credit report.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of america made up ( lied ), perhaps even committed fraud, when they composed a letter of unauthorized chargers on my credit card account. They told they sent me their standard automatic denial letter. The letter stated i had visited the merchants previously but i have NEVER.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (NV)

As stated prior to, this is not my account. I am not associated with the address or any of the information listed on that 'contract '. I need to be provided a physical copy of the original consumer signed contract with MY SIGNATURE ON IT. This is not my information. In addition, I am requesting to be provided these phone calls as well, because I've never spoken to this company nor have I received services from them. I am requesting all of this documentation which will serve me in compliance to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. I am again formally requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Nothing that you've shown me proves this account belongs to me! Where is my social security number on this alleged contract? Non existent! My social security # which is needed on any contract proving that it's connected to me, is not on this contract! This is not my account and I'm requesting that it be deleted from my credit report immediately. 

Thus far, they've sent me a paper with the name 'XXXX XXXX ' on it, no social security number connecting this account to me is on this alleged contract, it is not my signature and it's address is a location I've never resided at! Please delete this account immediately. In addition to this, I will like to be provided the phone calls they state they have according to their 'records ' of me admitting this account belongs to me. It does not! 


Thank you
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 — Was not notified of investigation status or results
Company: Convergent Resources, Inc. (NY)

Because the accounts and personal information being reported are not mine, I have made repeated requests to creditors and credit bureaus to have the false information examined and removed from my credit reports. I have received responses stating that the accounts are valid, but I have not received information on how they received their decision or the information receivedto verify.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I send this agency and the three bureaus a certified letter stating the fair reporting act, and 15us code and asked them to remove all inaccurate... old items, fraudulent hard inquiries dating back to XX/XX/2021 ... .credit card that are closed that are still reporting..they still will not remove these items. They were to remove ALL old addresses..jobs..phone numbers etc... they still refuse!
Consumer complaint received 2021-11-30
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. (CO)

I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX  AND XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
Consumer complaint received 2017-01-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (IL)

Hello, I am working on a short sale that has a sale date. I submitted the package to the 2nd lien on XXXX I called today and they told me they did n't receive anything. This short sale is time sensitive and we ca n't keep sending paperwork over and over that has been already submitted.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

Hello my name is XXXX XXXX, I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

It says the balance is {$2500.00} and the original amount was {$2600.00}, and that Ive paid 2 % of the total so far? I have never signed any documents or agreed to any terms and I have no idea as to how theyre saying that I have authorized payment And I did not sign any contracts opening this account on XX/XX/2021 I want a copy of the contract and a full un-redacted copy of the purchase agreement
Consumer complaint received 2021-07-24
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: EQUIFAX, INC. (MS)

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 55 days and I have yet to receive a response. 

I feel like I'm being taken advantage of, and my disputes are being ignored. It has been over 58 days, so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

Please see attachment.
Consumer complaint received 2022-11-30
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. (GA)

in accordance with the Fair Credit Reporting Act The list of Accounts below have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: PNC Bank N.A. (PA)

ADVANCE advertised had a fee of 3 % of the amount transferred. However, at the end of the ad, it stated that the max fee was {$50.00}. I transferred and was charged {$300.00}. A PNC Agent filed a complaint for me on XX/XX/2021. I haven't heard from the settlement person in 36 hours. I'm filing this in case I NEVER hear!
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

This is a fraud claim was filed with XXXX back in 2011 ... .9 years ago! 
XXXX XXXX never reach out to me.Violating the Debt Act law. Plus its been 9 years.This is an violating of the Debt Collect Act.