davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: LEXISNEXIS (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XX/XX/2020, XX/XX/2020, XXXX XXXX/XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX is still reporting an old acct which they agreed to remove when we settled the account. I 've requested the acct be removed but Experian continually reports it as being verified. I 've asked both XXXX XXXX XXXX XXXX Experian to provide all the proper documentation they 've used to verify the account but they have not responded to me. I would like this account removed per my settlement agreement with XXXX XXXX XXXX ... this was an oral agreement which XXXX XXXX XXXX agreed to remove from my records back in 2009. It 's still being reported inaccurately. I 'd like it removed immediately per the settlement agreement.
Consumer complaint received 2023-03-25
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. (MS)

I have TRIED numerous times to get the Credit Card Account { XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX } REMOVED/DELETE from my Transunion Credit Report -- SEE ATTACHED . Additionally, this INACCURATE Credit Card Account information is also being reported on my XXXX and XXXX Reports. I have disputed it numerous times with ALL THREE Credit Reporting Bureaus/Agencies , and with XXXX XXXX XXXX XXXX ; but CAN NOT get any RESOLUTION. This Credit Card Account contains INACCURATE conflicting information. By Law, Information on Consumer Credit Reports is suppose to be ACCURATE.
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NY)

I received a text and then a call from what appeared to be my bank. The caller id said PNC Bank. I was told there was a request to send money via XXXX  that looked supicious. They asked me if I had authorized a transfer of money and I hadn't. They then walked me through a process to prevent the money from leaving my account. This process actually sent them {$1000.00}. As soon as the process completed they hung up.
Consumer complaint received 2018-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and XXXX have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel XXXX has violated by consumer rights.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After pulling my most recent credit report I notice an entry from an insurance company I have never used. I believe this to be XXXX and should be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-06
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. (GA)

On XX/XX/2022, I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 
I contacted the Big 3 Bureaus who placed the inquiry and asked them to remove their credit inquiry from my credit profile, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2020-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX/XXXX  Account XXXX XXXX   XXXX  FKA XXXX
Consumer complaint received 2020-04-27
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. (IL)

Ive contacted TransUnion they have 20 inquiries on my credit file that Ive asked them to remove. Im unaware of this information being on my file I do not approve of it and want it removed as soon as possible. I just was released from prison. With no credit history or information Ive tried calling and contacting them but I believe due to the covid 19 I cant get through. Please help.
Consumer complaint received 2020-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # XXXX
Consumer complaint received 2020-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched Transactions of XX/XX/XXXX statement of New Transactions {$470.00}. see attatched FRAUD LETTER of XX/XX/XXXX CLAIM DATE XX/XX/XXXX {$470.00} ARE UNAUTHORIZED Transactions. See attatched Transactions XX/XX/XXXX DUPLICATE UNAUTHORIZED FRAUD 2ND TIME {$470.00} New Transactions. ( ** USAA HAS OWED ME {$470.00} CREDITS SINCE XXXX ** ) USAA HAS DESTROYED MY EXCELLENT CREDIT FOR WHAT I DID NOT OWE.
Consumer complaint received 2021-05-22
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: EQUIFAX, INC. (DC)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Embarking on 60 days later I have not received one word about my inquiries about my credit. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 60 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach as well as a my information being taken as shown in the police report attached and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  {$210.00} XXXX XXXX/XXXX   {$200.00} XXXX
Consumer complaint received 2024-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (VA)

In response to current pending complaint " XXXX '' ... There is no option to reply on that one! Really not helpful! 

A follow up on the XX/XX/XXXX ( 60 day breach and failure to respond ) email from you : " We havent received a final response from the company in the expected time, even though the company initially responded that they were working on your complaint. 

Weve alerted the company that its response to your complaint is now past due and that a response is still expected. 

" What I expect is the following from you : 1 - Any communication from Ed Financial be reviewed and tracked by you. Please consider engaging XXXX 2 - How and when will you hold them responsible? How and when will you " enforce federal consumer financial laws '' 3 - You should also hold studentaid.gov responsible as per the document and reasons I supplied ( attached to XXXX ). I have not heard back from neither of them regarding that document! Implying FRAUD!!!!!!!!!!!! 


This frustration has been going on with me since XX/XX/XXXX. I am glad it has taken, even you, 60 days for them to continue to show failures and incompetence which are legitimate indicators to fraud! I strongly recommend legal eyes on this.
Consumer complaint received 2021-09-13
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. (MN)

The following credit card accounts and credit inquiries listed on my Experian and XXXX credit report are all fraudulent, unauthorized and the result of identity theft : XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX  XXXX , XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX  XXXX/XXXX  , XX/XX/XXXX
Consumer complaint received 2020-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Monitoring agencies had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. I have asked for investigations, I have made phone calls to Bureaus and collectors, without any prevail or response in a timely manner. 

No notice was ever given which is also a violation and I am requesting that ALL previous collectors be removed. I am unable to obtain a mortgage because of errors on my credit report that were not investigated properly. The glitch caused investigations to take longer than 30 days and late payments to be removed and then readded on over 2 accounts XXXX  and XXXX XXXX. If these companies have verification that I was late it defaulted on a loan a late payment should not have been removed then placed back onto my reports. There are error on my reports from Natural Disasters in 2016. These reports are undeniably creating missed job opportunities during this pandemic, mortgage loan failures, and causing more problems on my life during such a crucial time in the economy.
Consumer complaint received 2018-11-29
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: EQUIFAX, INC. (AL)

I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( Equifaxs ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still Equifaxs not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (LA)

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX RADIUS GLOBAL SOLLUTION {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Consumer complaint received 2020-04-27
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have payment arrangements monthly with capital one auto financial! 
I have successfully been making payments as scheduled per arrangements! 
However, I been sick since XX/XX/2020 with XXXX and hospitalized with complications! 
Im still off work waiting on income. 
Although my payment arrangements are still being met on time! Capitol one auto finance is continuing to report negative late payments thats hurting my credit scores. I called them to resolve the issue asking for respect and curtesy for XXXX reliefs! 
I was sent to escalation team and I was told to file a complaint that I was still considered late paying.
Consumer complaint received 2023-02-07
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2021, an unauthorized transfer from my active checking account to my share savings account was done for {$100.00}. I called Navy Federal Credit Union on XX/XX/2021, @ XXXX XXXX  CST. I spoke to a very rude representative about the issue and she bluntly stated " You made a transfer for {$100.00} '' I stated that I never made that transfer and when a customer makes a transfer the transaction color font is the color " green ''. When a transfer is made by the bank it's the color " Black ''. The agent rudely stated NFCU can make transfers at any time, and I stated for what cause knowingly the account is current and not on a negative status. I requested a manager and she refused. 
This bank takes customers ' money and moves it around for reason, and declines to explain to why.
Consumer complaint received 2018-02-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Immediate Credit Recovery (OH)

My parents told me to go to XXXX XXXX, even though I had heard about their fraudulent practices, they thought good idea for me to go there. I went, got an XXXX and in the end I was told I needed to redo a loan for one final credit, which was only about 2k and now all of a sudden I'm informed, after notice my federal tax returns are being taken from a federal credit collector, THERE'S NO WAY I OWE OVER 10K as now stated, I had paid off my XXXX XXXX credit loan. Hoping to get a way to be forgiven, since it's one of the most fraudulent circumstances I've ever seen or have had to deal with, especially with it being almost 10 years after I have actually graduated.
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InvestiNet LLC (RI)

I received a letter today stating I owe {$3300.00} from a company called XXXX XXXX XXXX XXXX in XXXX, South Carolina on XX/XX/XXXX. Its impossible i never went to XXXX, Sc in XX/XX/XXXX, the last time I was in south Carolina was back in XXXX and never made any outstanding bills from XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-02-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Zenith Financial Network Inc (CA)

ZENITH FINANCIAL NETWORK INC, ALSO ZFN AND ASSOCIATES ARE TRYING TO COLLECT FOR XXXX XXXX. ZFN CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

I have written to this company SEVERAL times and have asked for VALIDATION on this account. The company keeps sending me a BILL from XXXX, but they will NOT acknowledge that I am asking for original contract paperwork to ensure this is truly my debt. I want this account REMOVED from my credit file. They keep updating as the dispute is resolved and consumer isn't in agreement.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Good afternoon CFPB, How are you? For the past two and a half years, I have repeatedly requested Portfolio Recovery Associates , LLC to provide evidence that the debt they claim is mine. However, instead of providing the legal requested proof, they have only sent me threats and legal judgements. Enclosed is one of many lawsuit packet I have received, the most recent being dated XX/XX/XXXX. According to information on the CFPB 's website, Portfolio Recovery was instructed to pay {$24.00} XXXX for ongoing illegal debt collection practices and violations of consumer reporting regulations on XX/XX/XXXX. My simple request to Portfolio is to stop the threats and judgements and to remove the negative entries from all three credit bureaus- XXXX, XXXX , and XXXX . this will enable me to pursue small business loan opportunities to support both myself and my family. Thank you for your consideration and efforts.
Consumer complaint received 2022-04-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: N.A.R., Inc. (UT)

NAR contacted me for the first time on XXXX, I was at an appointment, they called twice in a row and left no message. They then called my boyfriend 10 minutes after calling me and when he said to contact me they contacted my neighbor. None of whom were listed on my debts
Consumer complaint received 2018-02-21
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. (TN)

In XX/XX/XXXX, Experian started reporting that 4 of my student loans through U.S. Dept. of Education are being included in a Chapter XXXX bankruptcy on XX/XX/XXXX. I have no bankruptcy on XX/XX/XXXX, so how could these accounts be included in a bankruptcy on this date. When this information was put on my credit report, it caused my Fico score to drop 21 points. I want this inaccurate information delted from my credit report.
Consumer complaint received 2017-05-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

Around the beginning of  XXXX  I sent a letter to Experian about the  XXXX   XXXX    XXXX     XXXX  loan for {$6700.00} appearing on my credit report. It says i took a loan out with them in  XXXX   2010 . During this time i was  XXXX   XXXX  to  XXXX  as of    XXXX    2010   . I did not take out this loan. I explained to experian that i tried to contact this company numerous times and have them provide proof that i got this loan, such as signed paperwork and the I.D . used, but they refuse.  XXXX    XXXX   XXXX   XXXX    refuses to give any proof and says they passed it off to  XXXX   XXXX . Calling  XXXX    XXXX   results in the same saying  XXXX  has to provide the info. I explained all of this and submitted a dispute with experian. Experian says all they have to do is call  XXXX   XXXX   XXXX  and if they say it 's legit, then they are good to go. I do n't think it needs saying how unacceptable this is as a response. If they can not provide me a physically signed copy along with the ID used to take this loan out, then this needs to be removed from my credit report asap.