davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
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. (LA)

So I pulled up my account on  XXXX  and I noticed  XXXX  hard inquiries on my report within the last 6 months. Half of them I do n't even recognize or was pulled without my consent. I do n't even know what  XXXX  is to begin with. There are way too many inquiries from   XXXX   XXXX  . I do n't have an account with  XXXX   XXXX   XXXX ,  XXXX   XXXX , or  XXXX   XXXX . Because of this I ca n't get approved for a new credit card that has good approval ratings as I have too many inquiries created in an abnormal amount of time or get a loan. I have been paying my card back on time every month so m y credit score shou ld n't be  XXXX . It should be well over  XXXX  or  XXXX .     I will list them below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2020-02-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted 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 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 the items as soon as possible.
Consumer complaint received 2019-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NV)

I have applied for a credit card and also as an authorized user on my wife 's American Express credit cards for which she would be the primary and been denied multiple times for both options. My wife 's various AMEX cards from XX/XX/17 to the present have given them probably over {$80000.00} in business. They are saying that it is because an AMEX account was included in my bankruptcy. I feel that they are illegally blacklisting me. I have contacted their executive offices and explained the situation of my bankruptcy but they refuse to approve either my own card or even being an authorized user on my wife 's card. My bankruptcy is over seven years old. I currently have extremely good credit and by all standards should easily be approved for the card. The bankruptcy which is over seven years old is the only derogatory mark on my entire credit record and I have multiple credit accounts that have never had a problem since my bankruptcy. I have been on Social Security XXXX for many years and our combined income is currently about $ XXXX/yr. My bankruptcy was caused primarily due to medical reasons and my house in Nevada was under water at the time. To prevent the loss of my house it was necessary to declare bankruptcy. I was probably one of the first recipients of a government HAMP mortgage which ended up saving our home. I have never even missed a mortgage payment. Student loans were included in the bankruptcy and the federal bankruptcy judge after presenting my case over a year and a half of submitting proof of my XXXX ruled that I was considered Totally and Permanently XXXX under the XXXX and the student loans were discharged. I have also been ruled as XXXX by a NJ Workers Comp judge in court after being examined by their doctor and the US Department of Education. I consider that they are in violation of the Americans with XXXX XXXX by discriminating against a XXXX person who was forced to declare bankruptcy because of his XXXX. I am considering also filing a complaint with the Department of Justice for violation of the XXXX. I am also an authorized user on my daughters XXXX card for many years which also brings into question why am I allowed on her card and not my wife 's or get my own card. Seems to enhance my discriminatory indiscriminate blacklisting allegation.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

have disputed with all  XXXX  CRA 's as well as  Capital One Ban k and have sent the m 3  dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify the account on my CR account bein g Capital One Bank  such as a signed application or some supporting documentation to supper why this is negative account is being reported on my credit report. As I 've stated I 've sen t 3 dispute letters asking all   XXXX   bureaus  XXXX ,  XXXX , and   XXXX   and the creditor Capitol one bank asking for these documents and if they ca n't not show forth the documents on how they verifi ed this account belongs to me other than just telling me that it is in a reply letter that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation from this creditor any of the  XXXX  CRA 's. With th e 3 letter s that I have sent I just continue to receive in reply verified or updated, or after the investigation we 've found this o be your account but no documentation as I 've requested to verify this stanc. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal from my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've se nt 3 lett ers without any resolution. Thank you in advance
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EMBRACE HOME LOANS (PA)

On XX/XX/XXXX I received a certified letter from my county tax bureau that I was in default of paying my local school taxes from the previous year - XXXX. 
The amount due ( with penalties ) is {$2800.00} that was to be paid on XX/XX/XXXX. The bill was to be paid via escrow by my company EmbraceXXXXXXXX XXXX, but was rejected back to the mortgage company on XX/XX/XXXX by the local tax collector in my School District for an unknown reason. 
No other payment was made after XX/XX/XXXX, and I was not notified of a problem until I received the certified letter from my county in XXXX. 
On XX/XX/XXXX, I faxed all of this information to Embrace and asked them to pay before the deadline ofXX/XX/XXXX. I have made several inquiries since then as to the status of this problem with no resolution. As of today XX/XX/XXXX, I have had no correspondence that assures me that this will be paid on time. If it is not, new fees will be assessed.
Consumer complaint received 2023-04-11
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-17
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. (TX)

I have been disputing this account for over a year and nothing has been resolved. PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, experian and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. Preferred Lease is committing 18 USC 1028 A aggravated identity theft. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Consumer complaint received 2020-02-07
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. (AR)

My identity has been stolen. While I was trying to purchase my first home through a first time home owners program I was told when they pulled my credit that there was no way I could become a home owner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$440.00} XXXX XXXX {$970.00} XXXX  XXXX {$790.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$790.00} XXXX XXXX   XXXX {$5900.00} XXXX XXXX {$14000.00} DPT ED/XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}
Consumer complaint received 2018-06-02
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. (FL)

I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. Transunion, XXXX  and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
Consumer complaint received 2023-04-10
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. (MD)

I tried to purchase a new vehicle and because of a false collection and fraudulent inquiries on my credit report I was demo. I have reached out to all three credit agencies about removing the said collection and hard inquiries but the these items still exist on my credit report
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: CITIZENS FINANCIAL GROUP, INC. (WV)

I received an offer through XXXX to lower my student loan rate through Citizens One. I applied online and then spoke with a rep. I was told within minutes that I was approved for a 5.2 % loan but had to submit 1 more piece of info. I did. I received an email saying they needed more information : proof of social security. I sent it. They said they needed pages 1 and 2 from XXXX tax return. I sent it. They sent yet another email saying I needed to send all pages from XXXX tax return. I sent them the info, which was 25 megabytes. Then they asked for yet more information that I had already supplied. This went on for 6 emails and 9 customer service reps. Each time, they assured me that my latest submission was enough to complete the application. Last night, I received yet another request for still more information. 

All of this for a $ XXXX/month reduction!! 

Every rep told me that my application was now complete, and I should hear back within 3-5 days. 

I am retired and age XXXX. I have a XXXX credit score and more than ample assets to pay the loan off today. Im simply trying to lower the loan for my daughters education. And I have to go through this hassle with still no loan? 

As a former XXXX XXXX, I have never dealt with a more deceptive and difficult company than Citizens One.
Consumer complaint received 2019-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (OR)

Initially I received a student loan under {$15000.00} never received any of the money. XXXX XXXX tick all of the funds and even not using my entire student loan I never saw any of it back. I know there is a class action lawsuit and I am trying to seek legal counsel for this because I have {$30000.00} now that I have to pay back when They never assisted me in finding employment I never worked as a pharmacy technician which I had my XXXX degree from. I want my money back and I want my credit report to be cleared because they have fraudulently taken my money and continue to increase interests on a loan that should have been closed and canceled because of fraud
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

So I 'm still in school and not even 6 months after my anticipated graduation date did they tell me I had to start paying off their loan when I was told they would take 6 months after my graduation date when I was settled in with a job that I 'd pay. But now they 're constantly harassing my family and I are about payment.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I received a statement from XXXX XXXX - XXXX XXXX around XX/XX/2019 showing a balance of XXXX. This is a fraudulent account. I have never applied with XXXX XXXX or ever made any purchase from them. 
I called their customer service to inform them and the rep insisted that they would not help me unless I provided my full Social Security number even though I had received statement to my home address and had given them fraudulent account 's number they refused to assist over the phone with out me disclosing my full Social Security number. I have dealt with credit card companies in the past and they have never asked for full Social Security number. I do not trust giving them this information over the phone. 
I sent letter refuting the account and informing them the account was FRAUD and ID theft. The letter was sent around XX/XX/2019. I filed report with FTC and used form letter from IdentityTheft.gov website. I attached the report and copy of statement for fraudulent account. 
XXXX XXXX continues to send junk mail but they have never confirmed the fraudulent account has been closed.
Consumer complaint received 2019-05-26
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. (PA)

Requested Experian to investigate XXXX, XXXX  XXXX and XXXX XXXX XXXX   XXXX. Company continues to use " black box '' methods to investigate issues. Company failed to remove hard inquiries off credit report. This company failed to comply to FCRA guidelines. Requesting a full investigation of my credit file. This continues to have issues with getting credit from different companies. Company has failed to update credit file.
Consumer complaint received 2022-01-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC (GA)

In XXXX the auto dealership steered me into a predatory loan with Global Lending. Global lending had subjectively higher interest rates with high probabilities of default. The loan was costly with unfavorable terms for any consumer. Over the years XXXX, I paid enough money to pay off the original asking price of the vehicle. Global Lendings interest rate and collection practices were abusive. They would call over ten times a day requesting payment. In XXXX, the pandemic affected our household income, and we could not afford to continue being a victim of Global lending. I was forced to voluntarily surrender my XXXX XXXX XXXX. More importantly, we were tired of the harassment by Global Lending because we knew that the harassment would get worse.

The significant matter, in this case, is that Global lending falsely reported the amount of {$15000.00} to the XXXX XXXX XXXX XXXX XXXX. I disputed the matter and requested additional documentation. Global Lending admitted that they reported false information and the amount was significantly lower. Since Global Lending was untruthful, I dont feel comfortable paying the amount reported to the credit bureaus. Global Lending credit reporting has caused a hindrance for credit, and I ask that it be removed. Since Global lending was caught being untruthful they should be willing to resolve this matter by canceling the debt and clearing my credit report.
Consumer complaint received 2022-08-16
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. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dat of Birt : XX/XX/XXXX SS # : XXXX XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCD Financial, LLC (FL)

I contacted NCD about the account still showing on my report and was told to contact the Credit bureau. I then contacted the credit bureau and was told to contact NCD. I spoke with the manager @ NCD who was very helpful of closing the account and paid in full.
Consumer complaint received 2019-05-26
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. (PA)

Made several attempts via certified mail to resolved hard inquiry on credit report. Company failed to comply according to FCRA guidelines. Company didn't respond within 30 days.
Consumer complaint received 2019-05-26
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. (NC)

Account was opened in XX/XX/XXXX the car was repoed in XX/XX/XXXX d/t some financial struggles. The car was gotten back XX/XX/XXXX also. We made payments on time since then and the car was payed off in XX/XX/XXXXcompletely. I have disputed the information on my credit report 3 times. XXXX/XXXX continue to report every month to credit bureaus that it was charged off since XX/XX/XXXX, informed them it should not be in charged off state if we were making current payments and finished our loan. Instead of them changing the status they only closed the account. I informed this that this status is showing bad on my report and to please update. They also show its written off for XXXX which is the full amount I paid for the car, then it shows high balance of XXXX. This account is not a charge off but they keep listing it as such. I also asked them to change that this account was deliquent. I was late on a payment in XX/XX/XXXX but not any other yr.