davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$240.00}
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (TX)

I filed a complaint and the company responded stating that they had removed my number but I continue to receive calls at my personal number and they have also started calling my work number of XXXX. Today, when I answered and told the person to stop calling me and that I had filed a complaint, they said they were returning my call. I DID NOT CALL THEM. I told her she was lying and she continued to tell me that I had just called them. that is a complete lie.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (MI)

XXXX XXXX XXXX ( XXXX ) and Citigroup using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by XXXX activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to XXXX Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster.
Consumer complaint received 2022-03-08
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. (OK)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNTRUST BANKS, INC. (FL)

HELOC through Suntrust mortgage was forgiven in bankruptcy in 2015. Received XXXX on forgiven debt. No debt on credit report yet Suntrust refuses to release lien on property so that we can refinance.
Consumer complaint received 2019-03-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have worked with several credit repair agencies with the hope of having items reporting on my credit reports accurately to no avail. This has been ongoing for well over five years and has cost me thousands of dollars. The end results have been so-called accounts verified and one company has been out of business now for several years but yet the accounts have been verified through them. Furthermore, the student loans went into rehabilitation than consolidated under one lender and is currently in deferment. There remains duplicated accounts with origination dates of the dispute not when they were opened there are at least 15 accounts in all that is listed as individual loan amounts when in fact they are the same loans that are currently consolidated. The amount will total the XXXX that is currently owed which is close to the max that I can apply for the amounts varies from XXXX to XXXX but they remain uncorrected and has brought my score so far down that I have been placed into sub-prime bowering status with interest rates triple what they should be. I have worked very hard to get my score up and every time I attempt to get this matter resolved my score goes down and nothing has changed except for the origination date on the debt.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hi, I am filing this complaint because I am not able to reach certain department of the XXXX XXXX to solve a verification issue which cause my bank account to be on hold. 
I received a email from the Security & Fraud Risk department asking me to call back to solve a issue, with a reference Number XXXX XXXX. I called the number according to their instructions for several times, but its impossible for me to reach this department. I had to hold for more than 2 hours once. 
I need access to this bank account as soon as possible. And XXXX XXXX   should call me as soon as possible to solve this since they failed to provide a way of communication. My phone number is XXXX XXXX.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I paid off two credit cards balances in XXXX, and XX/XX/2018 and my FICO was at XXXX. I called Experian and discussed my one credit card incorrectly still showing a balance of {$1900.00} when this balance is XXXX in XX/XX/2018. They said wait until tomorrow ( XXXX ) and it will post. Today XX/XX/2018, I received a email your FICO has decreased 10 points. I called them on the phone and asked them how my FICO could drop 10 points in one day. They said we think you charged {$100.00} on one credit card in XXXX XXXXwhen I challenged that they said we dont know. I was also told since I do not have a mortgage that fact negatively affects any credit card debt. My credit card debt is medical costs for my XXXX. I reminded them I paid on time all credit cards and I recently paid off a {$1900.00} balance in XX/XX/2018. I asked for a Supervisor and she said I do not know why your FICO dropped and I have no control over your FICO its system generated. I asked her to identify the creditor so I could dispute the FICO drop she said there is no creditor or action to dispute your FICO just dropped automatically. The email states : Your FICO Score had decreased by 10 points. Good news. Even though your FICO Score went down your Credit Rating did not so it should not impact your credit worthiness XX/XX/2018 See attached Email. I was told to get a credit advisor Experian does not have any control over rising or lowering your credit score 10 points over night for no reason. There has been several increases and decreases for no reason over the last six months.
Consumer complaint received 2023-01-29
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending in 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 an account without my written instructions. 

XXXX Mortgage XXXX granted me a XXXX XX/XX/2021 after a XXXX national declared emergency. I submitted all of my paperwork for a mortgage adjustment and hired VA 's from the XXXX lost my information causing an invalid negative reporting on my credit report. I disputed through all XXXX credit bureaus demanding a reinvestigation and XXXX XXXX stated incorrect information. I submitted loads of documents to prove my case. Transunion removed it then added it back without explanation. This is illegal and fraudulent. Then XXXX XXXX  sold my loan to refrain from pursuing further.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (NV)

So this is the owner I am the owner XXXX XXXX or XXXX XXXX XXXX XXXX I am the owner of the XXXX XXXX falsely illegally impounded by XXXX XXXX XXXX XXXX Police department XXXX XXXX  and another entity called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The VIN number to my vehicle is XXXX XXXX lobel financial account number in XXXX. I put down {$4000.00} And I made my first payment on the vehicle and today I made my second payment on the vehicle this vehicle was impounded at a parking gym properties while I was staying near and I paid for the valet services on my stay also I had over {$500.00} on my account in positives sitting for reserves at the time of my state not only did they attempt to erase my state at XXXX say that they told my car to be valid towing and it was in a fires on there's no video or footage of these alligator stories all I want in the general is for my vehicle to be released from XXXX  XXXX XXXX and brought to me or immediately released I went down there today to move my vehicle with all my ownership information I even contact my financial company about the vehicle multiple times Park reported the vehicle stolen I reported his stolen the night of XX/XX/2022 I was staying in room XXXX I attempted to go to all measures to retrieve my vehicle and all legal possible methods in all very message I reported the XXXX XXXX which was connected to me through XXXX that was told to stop when the car was initiated for when they were still in the car I reported this to all entities reported this too but XXXX who continued to hang up the phone on me I don't want the vehicle because the vehicle was used or taken and was out of my supervision with underneath to me with no valid justification for towing it so some suspicious activities to occur I just told them to bring me my vehicle I went today and retrieve it they had other stories talking about they need to run it through whatever there is nothing that I had going on anywhere i proved owner ship
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AE)

Greetings and Blessings from the Most High God, Per the FCRA as a federally protected consumer, I XXXX XXXX XXXX am now opting out of any and all authorization, I the consumer may have given you XXXX XXXX XXXX XXXX written, unwritten, verbal and nonverbal per 15 usc 6802 and Family Educational Rights and Privacy Act of 1974. You are hereby ordered under the command of the Most High God to cease all transmission of XXXX XXXX XXXX non-public personal information to any nonaffiliated third parties as it pertains to account XXXX. To include but not limited to the Credit Report Agencies and their subsidiaries. 
Thank you for your full cooperation in the matter. 

Blessings and Peace upon You.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Hi there, Over the past few months I have been trying to dispute the accuracy of personal information on my credit report and I have failed to get a resolution. Past addresses keep showing up, past employers keep showing, and unrecognizable spellings of my name to mention but a few. I sent disputes to XXXX, XXXX XXXX, and Equifax that are pending for the last two months. Old accounts that were closed years ago are still showing and the number of open accounts, I have disputed but never had an updated result. Can someone with a better approach to the fair credit reporting act help me out, please?
Consumer complaint received 2022-03-08
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 dateof the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NC)

I just received a notice from XXXX XXXX XXXX, XXXX, a debt collector of American Express. This communication is to dispute owed of {$5700.00} from American Express. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and American Express refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. AMEX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.
Consumer complaint received 2022-03-08
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. (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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2024-02-29
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 1681c. ( 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 2023-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (SC)

Someone opened a fradulant card in my name that is listed from Genesis FS. The card is from XXXX XXXX XXXX ending XXXX. It looks like the card was opened on XX/XX/2022. I am unsure of the amount. I called XXXX and spoke to an agent named XXXX who spoke very broken English. XXXX said that she could not transfer me to the fraud dept but would make a note on the account and that I needed to make a report with the Federal Trade Commision and then mail it to XXXX XXXX XXXXXXXX XXXX, OR XXXX.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

I asked for verification of a debt that appeared on my credit report. To validate the debt, I simply asked the collector to send me my signed medical documents, HIPAA release, and an itemized list showing what the debt was for. They did not send me any methods of validation, only the date of the alleged hospital visit. Per the FDCPA, this needs to be removed unless they can furnish the requested documentation within 30 days.
Consumer complaint received 2016-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC. (OH)

I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying ECMC reported me and ECMC is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Consumer complaint received 2019-03-17
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. (GA)

I was advised to contact you guys regarding some items on my credit that are not mine. I have contacted the ftc and the city police. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. I'm trying to purchase a home and this is really keeping me from being able to live my life.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2018 I wrote to XXXX  ; Equifax and XXXX  credit reporting bureaus ( see attached letters and proof of certified delivery ) informing each that they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed them that I have attempted to contact this company but the contact information stated on my report is incorrect. 

I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This is over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. 

I have received no response from any of the bureaus regarding my dispute regarding the non compliance of the collection agent although I sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. 

The bureaus have failed to comply within the 30-45 day time frame and to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: D2 Management LLC (CA)

On XX/XX/XXXX2015 I filed a complaint with CFPB letting you know this company has incorrect information on me. I have no idea what they are talking about. However, I am exhausted from these people threatening me with being served if I don't respond. In the 2015 complaint, it stated the complaint is not to contact me. They have AGAIN. I had to explain the same thing over. I DO NOT owe any payday loans or any banks. This is harrassment at it's best.