davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (DE)

I keep getting calls from Creedence as well as my sons ( XXXX & XXXX ). 
They call us at least 2 times a day each for a debt that doesnt belong to any of us.
Consumer complaint received 2020-02-10
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. (FL)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-02-10
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)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX collection agency reported two medical collections on my Equifax credit report. I resolved the items with XXXX XXXX and was told by the XXXX XXXX representative XXXX that they sent request over to Equifax to remove the two medical collection items completely from my credit report. Equifax has not removed said collection items. 
The amounts are {$160.00} and {$52.00} From XXXX XXXX XXXX XXXX XXXX or something like that. There was no account numbers listed with the accounts. XXXX XXXX said they sent request to remove items altogether but Equifax has not complied.
Consumer complaint received 2016-04-19
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

I went in to The XXXX XXXX XXXX of Suntrust bank to cash XXXX checks issued by XXXX of their customers written to me. 
I was greeted by XXXX XXXX and she informed me that they could only cash XXXX of the checks due to the amount of funds available in the branch. I understood and asked that she cash the smaller of the XXXX checks ( {$4200.00} ). I then asked if I could return on the next business day and cash the second check. Her response was " we do n't print the money here, you can come back and check '' ... I immediately flushed red and showed my discomfort at being so rudely spoken to. I then if she could arrange a date for me to return and have the check cashed, explaining I did n't want to make unnecessary trips if I could n't conduct my business and she replied " NO and there will be a XXXX dollar fee, because it 's a business check '' I left the branch, with neither check redeemed.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC (LA)

Per CFPB COMPLAINT ID XXXX on XX/XX/XXXX : " McNeil & Meyers did not buy the account. We are a servicer of the account. We have coded the account to be closed and removed from XXXX XXXX credit bureau. We do not want to fight the dispute at this time. It should update on his credit report in about 45 days. Thank you '' As of XX/XX/XXXX, the {$220.00} account balance to MCNEIL & MYERS remains on my XXXX credit report. 

Why is this account still listed on my XXXX credit report, in opposition to the claims made by MCNEIL & MYERS 4 months ago? 

This false account must be removed immediately. Thank you.
Consumer complaint received 2021-12-01
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. (LA)

THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXXI/ XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

i have contacted all XXXX credit bureaus as well as XXXXXXXX XXXX XXXXXXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$310.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2022-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NJ)

I asked aidvantage to clarify if loans and Financial aid were synonymous and on XX/XX/2022, they replied. within that response they said they were on behalf of the Department of Education and the loans that they had gave me. I sent a response back asking for more clarification. loans are from financial institutions and XXXX was found to be an agency.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Due to pandemic in XXXX I put my mortgage in Forbearance. This went into effect XX/XX/XXXX. 

When i initially contacted Mr. Cooper regarding this I was made aware that there are several options available. 

I asked about putting payments on back end of loan. I was told that I could do this. 

When i called back in XX/XX/XXXX I was advised there is no option because of prior modications made on loan. 

I was advised I would have to pay XXXX to restart loan otherwise there are no options or sell house. 

I stated I want to stay in house with my family. 

Mr. Cooper stated at this point there is no help. 

I would like to reinstate loan and either pay some more money towards loan and or put payments on back end of loan. 
Thank you
Consumer complaint received 2018-02-24
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. (MI)

I am not sure how many more times I can do this without finally concluding the only way to resolve this is through the court system. 

On XX/XX/XXXX, I filed my 5th CFPB complaint against TransUnion case # XXXX, Concerning accounts on my credit report that were the result of Identity Theft. 

I provided a detailed chronological history and documents supporting my claims. I even forwarded my complaint to CEO XXXX XXXX XXXX I showed that I had followed all the requirements to have ID Theft accounts blocked from my report. I was also able to show numerous untruthful statements and violations by TransUnion. 
As a result, TransUnions response on XX/XX/XXXX assured me that all the accounts I had filed as a result of ID Theft, were either previously removed or would be removed. ( see attached CFPB case XXXX ). 

However, after viewing my TransUnion credit report two ( 2 ) XXXX accounts continue to remain ( see attachments XXXX XXXX and XXXX XXXX ). Despite the fact on the following dates I had reported both XXXX accounts as a result of ID Theft and requested TransUnion to block them. ( see attached copies of TransUnion/XXXX   tradelines ) On XXXX, XXXX I filed my first ID Theft claim and request to block numerous account including 2 XXXX account. Results : No response from XXXX and accounts were not blocked On XX/XX/XXXX I filed a 2nd claim with TransUnion and XXXX identifying these XXXX accounts as Identity Theft. Results : No response from XXXX and accounts still not blocked Note : Twice, in XXXX & XXXX, I had sent certified letters, documents & an Affidavit to XXXX advising them of my ID Theft claims and requesting them to investigate and provide me with those results. To this day I have not received a response from XXXX. 

I would like to think this was a simple oversight and hope TransUnion recognizes their previous response along with my previous ID Theft claims. ( See attached ID Theft claims FTC Report Number XXXX from XXXX )
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (GA)

They have restricted my account due to check activity, however, the mistake was made by the institution and not myself and the institution has rectified the mistake and proceeded to send me a new check. However, until the Navy Federal Credit union completes its investigation I have a negative bank account. My finances have been on a complete hold due to this process that was supposed to take 15 business days, now being told it will take up to 60 days. 

60 days with no money? My children are out of town and I mainly support their living expenses however they are not able to use these accounts because 1 all of their money was drawn from the account and fees were applied. 

I have been personally been treated as if I was a criminal and overheard staff members discussing my case while I was trying to resolve this in the branch in XXXX, GA. 

I have been out of travel expenses, wages, and personal pain and suffering from this whole ordeal without a since of empathy or care on how this could be altering my everyday living.
Consumer complaint received 2021-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION (NY)

On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX with a loan ( Loan # XXXX ) from Pentagon Federal Credit Union. As is the law in NY State, I added the vehicle to my insurance policy for my other vehicle. The limits on this policy are in excess of both the State and Lender requirements for minimum coverage. In XXXX I noticed a {$1700.00} charge added to my loan principle. This was called " Add CPI ''. This was not GAP insurance that was previously purchased from PenFed. 

When I contacted them, they seemed to understand that this may be a mistake on their part, and asked me to upload the insurance card, which I did in XXXX. This card showed that the policy was in place before the car was driven off the lot. 

Two months passed and no adjustments were made. In XXXX I stated that this needs to be fixed, I am not comfortable to keep paying for something with interest that doesn't exist, I did however make a double payment in XXXX to keep the account current. As I stated, I had insurance, and still do with another carrier. From PenFed, the " Insurance '' provided for {$1700.00} is non existent. I wasn't sent a policy, ID card or any notice that any of this was being done without my knowledge and consent. 

This week, for the hundredth time, they called me and hung up. I called back and was given the run around again about this, that it wasn't their department. So in addition to the charges for insurance, they have been acting in a predatory way. 

To further point out that I have insurance and never needed or was required to buy insurance from this lender, I struck a deer in the XXXX XXXXXXXX XXXX. I submitted the claim to my insurance company, and they promptly did an estimate and made payment.
Consumer complaint received 2016-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (WA)

American education services wo n't take my XXXX recertification in which my payment is XXXX A month because I was late to recertify. They are going to default my loan because of two months of interest even though my payment was XXXX when I recertified. If I ca n't afford to pay I payments and just because I was late to recertify should I have to use the little remaining differment that I have left. The same loan servicer already made me use all my forbearance and told me that I was n't eligible for a deferment when the whole time I was in I would n't of been charged interest for that time if I would 've use that instead but since forbearance is the only one you can do over the phone in order to Fix a couple months of interested I should n't even be charged because my payment is still XXXX the whole time on an IBR they want me to send you a bunch of documentation and proof that I 'm on public assistance just so my loan does n't default.
Consumer complaint received 2021-11-19
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: EQUIFAX, INC. (MD)

On XX/XX/2021, I pulled up a copy of my credit report and notice unauthorized hard credit inquiries on my credit report. 
I then proceeded to call the credit reporting company to have that inaccurate information removed. They then told they cant do so and that I have to dispute it through the mail.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Notice has been sent to by FCO ( Fair Collections & outsourcing ) saying charge of {$620.00} To " The XXXXXXXX XXXX XXXX XXXXXXXX XXXX '' I have made application to apartment but I have never moved-in or signed any lease for the apartment, The apartment complex has charged XXXX $ as move out or cancellation fee, After making application, i did not like the apartments, i never moved-in, I don't understand these charges on my account, I have called apartment company and collection agency and explained, that i did not authorize those charges, I don't understand those charges, Over the phone collection agency mentioned if i don't pay, they will report to credit agency, I have disputed on collection agency, today at XX/XX/2022, Collection agency mentioned that, they have to reported to credit bureaus.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (DC)

XX/XX/2021 : Discover denied application denied due to : LACK OF RECENT REVOLVING ACCOUNT INFORMATION XX/XX/2021 : Discover denied the application due to : RECENT REVOLVING ACCOUNT ACCOUNT INFORMATION NOW PRESENT
Consumer complaint received 2021-04-16
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. (PA)

On XX/XX/XXXX I applied for a XXXX credit line to purchase a refrigerator and stove. ( about {$1700.00} ) I was denied and told I would get a letter stating why. 

My letter came XX/XX/XXXX and I was appalled. And, based on this letter, I feel I am being discriminated against because of age, gender, and/or race. 
The letter was from XXXX XXXX. They stated my credit report showed the following : ( credit score XXXX ) 1 ) No open revolving accounts in my credit file ; This is a blatant LIE. I have had a XXXX Credit Card since XXXX ( in good standing ) 2 ) Delinquent or derogatory status on accounts too recent. Really! If so why doesnt XXXX and XXXX show this?. Only TRANSUNION has this information. 

3 ) Unpaid Collections Again, why doesnt XXXX and XXXX show this?

4 ) Lack of auto account information : Since when do you have to have auto information. My auto is paid off. This is one reason I feel Im being discriminated against. The age when women didnt drive is over!

I took this long to write because it has taken me this long to calm down. When you are not truthful with people, and insult their intelligence, dont be surprised how they react. I want this issue investigated immediately. 

In MY opinion, XXXX XXXX and Transunion drink from the same cup!
Consumer complaint received 2022-12-15
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)

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
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC. (NC)

I called and the voice response system requests an account number but I don't have one. It asks for the last four of my social then says there's no account associated with my social security number. I left messages but don't get a call back.
Consumer complaint received 2019-07-11
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: EQUIFAX, INC. (CA)

EQUIFAX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT EQUIFAX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. XXXX XXXX NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT. 
EQUIFAX IS IGNORING MY REQUEST, XXXX STATED THEY ARE NOT REPORTING BUT EQUIFAX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....
Consumer complaint received 2019-06-10
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 1. XXXX XXXX : This account I have never done business with this company error please delete. 2.XXXX : This account has inaccurate info 629 violation please delete. 3. XXXX XXXX : This is inaccurate in information no validation errors please delete. 4.XXXX : This is not a valid account error. I do not recognize this company no proof of claim information please delete