davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
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. (MI)

i lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy thank you.
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-05-01
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. (MI)

i lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy thank you.
Consumer complaint received 2022-05-01
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. (PA)

XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2022-04-05
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: Credit Plus Inc (OH)

I have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Student Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my student loan status updated. 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 still has 3 inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all 3 credit bureaus to report these discrepancies.

Under The Department of Education, I have 5 accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to TransUnion, XXXX and XXXX multiple times. These 8 accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other student loan accounts previously paid.
Consumer complaint received 2021-11-30
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. (CA)

XXXX, Customer service would not help and take care of the fraudulent negative inquiries reporting to my credit report. 


XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-11-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (OH)

I have a reverse with Novad that has a balance I would like to withdraw and have trying to reach the HECM department for 2 months calling daily and trying different phone numbers and email addresses researched through the internet and have not been able to speak with a single person only reach robotic answering systems or get emails rejected. Thie money is mine and I would appreciate being able to receive it. If you can get someone or advise of a correct contact information it would be greatly appreciated.
Consumer complaint received 2022-05-01
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. (MI)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT, XXXX  # XXXX. HAS VIOLATED SEVERAL OF MY RIGHTS AND NUMEROUS ( FCRA ) LAWS. 

1. ) 15 U.S.C. 1681 SECTION 6028 ( STATES RIGHTS TO PRIVACY. ) 2. ) 15 U.S..C.1681 SECTION II 6048 ( STATES CAN NOT FURNISH ACCOUNT OR INFORMATION WITHOUT MY CONSENT AND OR PERMISSION. ) 3. ) MY STATE OF MICHIGAN, CREDIT REPORTING RIGHTS : STATUE OF LIMITATION OF 4 YEARS HAS BEEN PASSED AND THE DEBT HAS BEEN PAID AS AGREED.
Consumer complaint received 2021-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX I contacted ( XXXX XXXX ) who sent me a Pre-Approved offer on a personal loan Up to {$50000.00}. I spoke to representative XXXX who said oh! Sorry your application Has just been rejected because of insufficient income. I said I just learned about you ( company ) this week, I received this offer. 
Where did you get my financial information from? XXXX said from Experience Credit Bureau I said I dont know where they would have got my financial info from. 
I told XXXX I just turned down a company Who I went through their process To receive {$50.00} K or more but their fees too high 10.9 % = {$5400.00} fee to ( XXXX XXXX XXXX XXXX ) XXXX replied we got your information XX/XX/XXXX. 
Experian provided a form filled out requesting {$7000.00}. I said I do not recall asking for loan Offers and I dont know how they would know my finances. She said ( XXXX XXXX ) also Has shown this same information on my soft pull credit report. 
XX/XX/XXXX at XXXX XXXX  I spoke To Experian representative XXXX ( no ID provided ) Who i retold same concern that I told XXXX. 
XXXX put me on hold To research issue. I said I want to know did I request through Experian website loan offers because I am on App/ Website I do not see how to ask for personal loan offers. 
Are the offers I have been getting an inside thing offered me by Experian credit? Yes, XXXX said. I want proof that I asked and filled out this offer from XXXX XXXX. He said I just deleted your offers you wont be bothered any more. I asked more questions and he did not give any answer, then his phone disconnected. 
I called back at XXXX XXXX  putting in my social number as prompted. I was trying for live operator but auto voice only offered me options Of doing credit Alert or credit Freeze. 
How Rude and suspicious to end a customer call this way. To think I pay Monthly for them to do extra to protect my credit. 
I worked hard to maintain excellent credit status. 
It should be expected that All Credit Bureaus do all they can to protect not just me but all clients information. 
My expressed approval should have been obtained from me to share my information with others. 
My Credit is often kept on locked status But that has not stopped un solicited offers. which there have been many occurrences That my credit file was accessed by other companies doing a soft pull while I had my credit locked.
Consumer complaint received 2023-04-04
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. 
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 2018-02-13
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. (SC)

Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX  XXXX  Automobile Financing Company XX/XX/XXXX XXXX  XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX Finance XX/XX/XXXX XXXX  XXXX  XXXX Finance XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX Finance XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Credit Union XX/XX/XXXX XXXX  XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it. 

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
Consumer complaint received 2022-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

My Mortgage is a VA, 30 year fixed loan, with a 2.25 % and I have never missed a paymentor otherwise been late. In 2021 a neighbor mentioned Forbearance, and I called and asked a few clarifying questions. After getting the answers, I decided that it was not for me ; I continued to make my normal payments. However, Freedom Mortgage suddenly started to charge me extra each month : {$160.00} and {$170.00}. I contacted Freedom Mortgage, and eventually, I was told that I only owed the normal amount ... {$880.00} ; although I do have a partial tax exemption, because Im a 100 % service connected XXXX XXXX, so my payment prior to the exemption is {$960.00}. 

I have since discovered that in 2021 Freedom Mortgage opened a Forbearance plan on my home, and while I dont know for certain, I suspect these charges are tied to that document/plan. I have made every payment before I asked about the Forbearance, and after ; which adds credibility to my claim. Said differently, had I intentionally filed a forbearance my payments would have stopped or drastically reduced. 

This has left me thinkingWTF???
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I, XXXX XXXX is disputing the balance of {$3000.00} I owe on this account. Also, incorrect reporting to the credit bureaus in regards to amount and reporting " Charge-Off '' status every month. 

XX/XX/XXXX and XX/XX/XXXX are your last correspondence to me which states 'all of your reporting 's to the credit bureaus are correct. '' I disagree. 

Please stop harassing me with collection calls/letters and defaming my credit and FICO score by reporting to the Credit Bureaus Charge Off and incorrect amount every month to my account as of XX/XX/XXXX. Charge Off is only to be reported once. 

I have been trying to resolve this matter with Capital One for approximately a year via phone and via credit bureau disputes. 

Capital One informed me via phone that it was illegal for Capital One to  accept a payment from me until Capital One corrected the errors on my credit report. The Capital One employee stated she would file a credit bureau dispute. Instead I received collection letters and calls with threatening law suits. 


This unresolved matter : 1. Has interfered with me in purchasing a home and an automobile as a creditworthy customer 2. Lowered my creditworthiness and FICO score. 



To assist me in resolving this matter : 1. Im writing to request a copy of my Capital One Statements for the above account XX/XX/XXXX-XX/XX/XXXX. 

2. Please inform me of Capital Ones charge off policy. How many months does Capital One wait before a delinquent account is charged off? 

3. Does Capital One have a Hardship Policy? If yes, what are Capital Ones guidelines? 

I previously requested a hardship due to my unforeseen loss of 50 % income, from the death of my mother and my brother. Twice within two months I had to travel to New York with Funeral, Hotel, Food and Transportation expenses. I was denied by Capital One. While all of my other creditors enrolled me into their hardship program. 

I have been a credit card holder with Capital One in excellent standing for at least fifteen years. 



Sincerely, XXXX XXXX CC : Three Credit Bureaus Consumer Federal Protection Bureau
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are 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  Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take this derogatory account off my credit this is making me not eligible to get a house or finance a new car.. 

The following inquiries are.. 


Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$920.00} Original Balance {$920.00} Limit $ 0 Monthly Payment {$0.00} Last Payment Status Collection / Charge-Off Loan Term XXXX Loan Type Telecommunications/Cellular Opened XXXX  Reported XXXX  Remarks Collection Account|Placed for collection Creditor Information XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone # : XXXX this is my second notice and then legal action will be taken
Consumer complaint received 2022-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor's Collection Service, Inc. (WV)

On XX/XX/2022, a letter was sent to the company to request verification of the debt. No response was received. Amounts {$1000.00}, {$21.00}, {$180.00}, {$27.00}, {$25.00}, {$100.00}, {$56.00}
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (IL)

So I paid for a service on XXXX, XXXX XXXX  XXXX am through chime. Minutes after I decided to cancel the service/appointment which I purchased for through the merchants website. So, basically I never received this service. Ive waited a couple of days expecting for the refund to hit my account but nothing ever came back to me. XXXX, XXXX XXXX than decided to open up a dispute with a great amount of evidence including receipts and conversations with the merchant. the date is now XXXX, XXXX XXXX chime still hasnt updated me on anything regarding my claim.
Consumer complaint received 2020-06-03
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. (AR)

In XXXX of 2015, I had secured buyer for my home in XXXX XXXX, AR. When the bank refused to accept the buyer and their {$10000.00} down payment, I planned to continue to make payments until the home sold. I had never missed any payments on ANY loans I had ever had with this bank both while married and after divorce. Valued at {$250000.00} I was selling for {$170000.00}. The bank representative that I was dealing with ( male ) informed me that the bank would happily take over my loan. I asked if it would hurt my credit report and how it would be reported. The XXXX representative told me that it would just show that the bank had bought my house. I agreed as I believed what the representative told me. 2 months later when I attempted to secure a loan to purchase property in Oklahoma, I was informed that my credit rating had dropped drastically due to the negative reporting of a default real estate loan. I contacted XXXX  and the rep would not speak to me about what he had promised. He bold faced lied to me. I have since found out, that they sold my house for considerably more that what was the loan against it. I have reported this twice in the past and will continue to report until this is removed from my credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Inquiry Date : XX/XX/XXXX CR XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX These accounts are not accurate or verified as belonging to me.