davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I currently have 7 consolidated loans in repayment under the IBR plan. I transferred my loans from XXXX to Fedloans in XX/XX/2017 and asked to begin certifying payments for PSLF forgiveness. Fedloans said that the payments from XXXX would require a manual certification and would take 6 months. It has now been over 2 years and only two loans are updated with the correct 79 payments. The other 5 loans are still at 51 payments despite all loans having the same number of payments made. I've called innumerous times over the 2 years and counts have been " expedited '' several times. I most recently called this month and the fedloans representative said she has never seen it take this long to certify the payments. I'm looking to buy a house and need an accurate number of certified payments for my financial planning.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (CA)

VANCE & HUFFMAN LLC placed a negative item on my credit reports. I have never had any dealings with this company, never had an account with this company and do not owe them any money. They allege that i opened the account with them on XX/XX/2024 and that the terms were 1 month but like stated have never had any dealings with this company.
Consumer complaint received 2018-02-03
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. (OH)

I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

SunTrust Fraud Department XXXX Ext XXXX, From : XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2021, XXXX XXXX  EST Subject : RE : Affidavit for SunTrust Thank you for the signed affidavit. The bank of first deposit will also need proof of alteration in order to process you claim. 

** When emailing the affidavit back PLEASE include proof of alteration, which can include any of the following : Carbon copy of check, scanned image of check before alterations, invoice, bill, or any other supporting documents. ** Your claim will not be submitted without proof of alterations, no exceptions** This was the email sent to me by the Fraud Department at SunTrust , XXXX XXXX wants burden of proof of the fraudulent withdrawal of my checking account from any unknown subject who stole my check from the mail, white washed the check and filled in the amount of XXXX, causing financial destruction and employment not only for myself but for my son. I have now been fighting SunTrust to get my money back, which I might add was a loan to move for employment, now I am responsible for the payback and interest of this loan. Now my son lost his job, I lost my interviews, could not move, am devastated financial because they also deposited my Social Security check in the old account even though they said to come to bank and they would transfer to new account, when I got there they said they did not know to transfer. Talk about criminal activity this is an inside job, from XXXX XXXX  and SunTrust, not to mention the US Postal Service, must be a gang. Now I have the burden of proof that I took out a loan to move and not wrote the check to someone I don't know and for what? This is criminal and someone needs to be pay, I have suffered.
Consumer complaint received 2019-08-23
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: I.C. System, Inc. (GA)

On XX/XX/2019 I have submit Complaint Number XXXX, where I asked to protect me from illegal calls and unlawful reports of I C System Inc, who report FOUR derogatory accounts on me during XX/XX/2019 with the same balance of {$100.00} about the same dept which already hit my credit history on XX/XX/2019. 
ONCE AGAIN. The derogatory account with a balance {$100.00} already hit my credit HISTORY and decreased my CREDIT SCORES in amount 18-20 scores on XX/XX/2019, and I sent you a screenshot of my credit alert about this. 
But I C system didn't leave me alone, and they used that Complaint Number XXXX to illegally know my current address and keep bothering me with their unlawful bills, now through the mail. 
Also, I never saw notifications that XXXX 's FOUR derogatory accounts were CANCELLED, and it never hit my credit history. But I saw increasing of scores for about 18.
Consumer complaint received 2023-04-03
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. (MS)

So recently checked my reports with all three bureruas and notice that these companies are not reporting accurate information. I have proof that they are reporting these accounts inaccurratly. This goes against the FCRA and is not accurate neither is it my account. I sent out a letter XXXX the XXXX and have not heard back from either company .From my understanding they have a month to respond. I would like this remove immediately.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WV)

Experian, is utilizing XXXX to misreport credit data. My credit score has recently dropped 9 points from XX/XX/2021 to XX/XX/2021. There has been no credit changes, no new inquiries, no changes in employment, earnings or other potential scenarios. Nothing in my credit profile has changed - yet my credit score continues to drop. Why.
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (PA)

I sent The Bureaus a letter on XX/XX/XXXX, to the address reported on my credit report. That mail was returned to me. I don't know who they are or why they are on my credit, and now I can not request validation of the debt pursuant to the FDCPA. They have reported incorrect information on my credit report, substantially in the form of THEIR OWN ADDRESS! They are required by law to report 100 % factual information, can they be trusted to do this when they can not even update the credit bureaus with their own address?
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

A {$95.00} annual fee was paid XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.
Consumer complaint received 2020-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2019, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

I have seen multiple credit inquiries on my XXXX  and Equifax credit file. I have a credit freeze in addition to fraud alert, but unfortunately, the bureaus refused to remove them, stating they believe the inquiries are legal and legitimate without question.
Consumer complaint received 2021-06-07
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. (FL)

I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's Experian & XXXX to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), and XXXX XXXX ( XXXX ) which makes me believe the debt has been re-aged. I would also like it to be noted that XXXX is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for Experian and XXXX. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX gave me a free credit score via TransUnion, even though my credit is frozen with them and the other two agencies. Don't remember the exact date I did the freeze but it's been over a week ago for sure. 

I was alarmed by this and contacted XXXX customer service. XXXX told me to talk to TransUnion. 

I called TransUnion on XX/XX/20 and they told me that no one had accessed my account, even though XXXX was able to provide an accurate credit score. 

Somebody seems to be lying ....
Consumer complaint received 2024-05-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Greenlight Financial Technology, Inc (NY)

I opened an account with Greenlight. While it seemed legitimate the fees ended up being exorbitant and the onboarding process was chaotic. 

I attempted to follow the online procedure but it didn't actually work. 

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  When I called I was told that the department that handled that was closed and that they would have to call me back. There was no way to contact them directly. 

This whole process seems scammy and weird. I just want to close my account and get my money back.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXXXXXX XXXX breach as well as XXXX 's XXXX XXXX  breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
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 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.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I explained to Experian through US mail and via phone call that an particular address on my credit file was undeliverable by USPS and that it was incorrect and gave them the correct address but but they refuse to remove the incorrect address from my credit report I inform them that I only wanted the one address which is my current address and all the others removed from the credit report so I only wanted one address and they have refused to remove the address even though it's incorrect because it's undeliverable by the USPS Post office. I was told by a Experian rep. that I had to contact the creditor that reported the address and have them remove it if I wanted it removed like I said I've tried to do it have it removed by mailing them a letter to ask them to remove it twice and also calling Experian on the phone two to three times and they won't remove it. The other credit bureaus, XXXX XXXX XXXX removed them no problem You're help ( CFPB ) in this matter would be greatly appreciated. Thank you ahead of time. Sinserely, XXXX XXXX
Consumer complaint received 2022-01-12
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. (AR)

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  XXXX
Consumer complaint received 2020-10-18
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: CORELOGIC INC (VA)

I am requesting XXXX  Credit Bureau to remove the Hard Inquiry from my file and complaining against a company called CREDCO for making an unauthorized inquiry into my credit file ( s ). On XX/XX/2020, my XXXX credit information shows that a company named CREDCO made a Mortgage Inquiry by checking my XXXX    Credit File ( and most likely that at the other two reporting bureaus ). Experian advises that this inquiry was a hard inquiry. I don't recognize authorizing that company to run my credit for a Mortgage application. I am also afraid that this could be an attempt at identity theft because  when I called the company 's phone number provided in XXXX   online platform, the number appeared to be invalid. 

CREDCO 's information as seen in XXXX  's online platform : CREDCO, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( XXXX ) XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

The medical debt collection from Transworld Systems Inc was placed on my credit reports without proper notification. I previously disputed the account with all three credit bureaus. I was able to determine the original creditor as XXXX XXXX. I have paid the debt with the original creditor as shown as the attached documentation. I am requesting that the collection account from Transworld Systems Inc be removed from XXXX credit report.
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (GA)

Online Information Services out of XXXX, NC has placed an erroneous debt on my credit file. I have not been contacted by debt collection agency and have no business with this agency nor the business they represent, XXXX XXXX. I have disputed the validity of this debt and request immediate removal because there is no proof of debt and agency nor client has provided who verified this debt. Future attempts to collect such erroneous debt shall result in legal action seeking damages as a result of a negative score caused by erroneous placement of debt in credit file.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX  and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2021-06-07
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. (FL)

I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's XXXX & XXXX to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), and XXXX XXXX ( XXXX ) which makes me believe the debt has been re-aged. I would also like it to be noted that XXXX is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for XXXX and TransUnion. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.
Consumer complaint received 2021-11-09
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. (NV)

I filed Bankruptcy in 2017 and my three XXXX accounts were all included and written off. XXXX XXXX and XXXX are reporting correctly however Equifax on all three XXXX accounts are reporting balances in error. This is causing a 80 point drop in my Equifax score and I need the balances updated to show {$0.00} owed.
Consumer complaint received 2018-02-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

I have been trying to get a payoff amount from my mortgage company for 2 weeks. My mortgage officer has submitted a request. My Title company has requested this 2 times. Each time the rep at Freedom Mortgage states that they are sending the payoff with per diem. The company has not complied with this request despite numerous contact encountered.
Consumer complaint received 2021-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I filed a dispute with Capital One Bank regarding account # XXXX. The results came back they sold the account to XXXX XXXX XXXX XX/XX/2018. I contacted XXXX XXXX XXXX and XXXX ( the representative from XXXX XXXX XXXX ) stated that there is no account under my name or social security number or my phone number. This is being reported inaccurately and needs to be removed immediately.