davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of inquiry XX/XX/2021
Consumer complaint received 2024-02-27
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. (AL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2019-03-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

To whom it concerns I am the mother of XXXX children who needed me to co-sign to get college student loans. I am happy to say that XXXX have XXXX and XXXX is set to finish next year. They are all employed and tax payers. YAY My problem is the fact that these lenders have no desire to help my children pay back their loans. 

I have also found another little ugly secret. My daugher has loans with only XXXX XXXX. Her balance was {$34000.00}. We stopped using student loans for her in 2015. She is still in school, set to XXXX   next spring. Her balance is NOW {$51000.00}. As stated above, we have not taken any more loans for her since 2015. Her balance has increased by {$20000.00} and she has not even graduated nor taken a loan from XXXX XXXX since 2015. This is criminal ( in my opinion ) and explains what I could never figure out. With all XXXX kids my student loan debt is over {$100000.00}. Actually closer to {$200000.00}. I knew there was no way we took out that much debt. Now I get it. They tack on ridiculous interest even though these loans are in deferrment. WOW, this is not right. 

We want to pay back the loans. I ( we ) always pay our bills on time. There is no way to get out from under this massive debt and these servicers could care less. 

I NEED your help. This is not right. {$20000.00} more than what the original amount was when we stopped taking out loans in 2015??? There is no way I owe the {$200000.00} on all of my children. I can afford to pay for one ( which is what we have been doing since 2015 ) I co-signed with the intention of paying back what we borrowed. If {$34000.00} can add up to {$51000.00} and the student has NOT even graduated yet no wonder my overall student loan debt is so high. 

As the overseer of these private loan institutions, what are you doing to fix this?? My children could not qualify for Federal ( taxpayer funded ) student loans. Funny, as a taxpayer I don't qualify but someone who probably does not pay taxes gets the sweet heart deals. I am sure most did not even graduate. My kids have. There has got to be justice here. This is just not right!! 

I look forward to an explanation from you as to how this is fair. If you have no jurisdiction over these predatory lenders, then what exactly is YOUR JOB. 

Again, I am not asking for forgiveness, just a reasonable repayment plan on the actual amount of our loans. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAB Receivables, Inc. (VA)

I went to XXXX XXXX XXXX on a few occasions. For some reason they always appear to bill an old insurance company and not the one I provide them at check-in. 

Long story short my insurance company paid their bill in full. None the less I have continued to be called and harassed by other companies seeking payment for XXXX XXXX XXXX. Each time I provide proof of payment but they continue to call or send me letters. 
Credit Adjustment Bureau and XXXX XXXX. 

XXXX  my insurance company paid the bill and provided proof. 

This company has proof that I paid but for some reason they have not communicated well to their collection arms. Their practices need to be reviewed.
Consumer complaint received 2023-04-05
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. (CT)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Collection Account Account Number : 8568 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.
Consumer complaint received 2022-08-17
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. (MD)

XX/XX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.
Consumer complaint received 2022-08-11
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. (NV)

I recently received a copy of my credit report and noticed a error on my report and In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-20
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. (CT)

XXXX XXXX  XXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.
Consumer complaint received 2023-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (CA)

XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX is attempting to collect a debt of {$3200.00} from me. The original creditor is XXXX XXXX XXXX XXXX. I had no idea who either of these companies were as I never received any letter or email stating that I owed them any money. Furthermore I never signed any contract with either company authorizing them to charge me {$3200.00}. Recently I discovered that my ex roommate also received the same account in collections so I called the leasing office of an apartment that I lived in on a XXXX month lease, XXXX XXXX, in XXXX XXXX California. They responded by email without acknowledging any debt that I owed them and simply told me to contact Hunter Warfield. I am still unsure of the source of this debt in collections but I did email XXXX XXXX and showed them all of my receipts clarifying that I paid rent in full. I also sent them a screen shot of the {$9800.00} that the California Covid rent relief program paid them for the XXXX months that I was unable to pay rent due to Covid. They actually received more money from the program that I owed them! And now they are trying to collect more money from me. I kept every money order and cashiers check so I have proof that they were paid in full. And I also have a copy of what the rent relief program paid them.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: North Shore Agency, LLC (WI)

Well over a year ago I was sent a book in the mail from XXXX XXXX. I had subscribed to their magazine for my elderly mother. I did NOT open the package and marked on the outside of the package, " Refused! Return to Sender. '' Since then I have been sent a bill, at least once a month, for the book in the amount of {$27.00} from a collection company, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NY XXXX. I didn't order the book and I returned it and I will NOT pay for something I did NOT order.
Consumer complaint received 2018-03-07
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. (NY)

I, XXXX XXXX have to report to the Consumer Financial Protection Bureau, that I, recently, on XX/XX/XXXX find negative and very inaccurate information, was posted on Experian CreditReport on XX/XX/XXXX by unknown parties called XXXX XXXX XXXX. This parties claimed unpaid {$120.00} to XXXX. : phone # XXXX ; XXXX XXXX XXXX, XXXX XXXX, MNXXXX. 

My Account with XXXX was permanently closed in XXXX, all equipment was return and NONE unpaid balance was EVER Exist. How in the WORLD this very strange XXXX XXXX XXXX 4 years later claimed unpaid weird balance of {$120.00} and posted on CreditReport without ANY Proof, just to make sure to put dirt on my Credit History. 
XXXX provide absolutely awful TV Service, I was unable to watch my TV most of the time on cold and rain weather. I closed my account because of this. 

Consumer Financial Protection Bureau, please, investigate this matter from Experian Inc., why they let XXXX and XXXX XXXX XXXX.posted CLOSED Account on XXXX on Experian Credit Report in XX/XX/XXXX and should listed until XX/XX/XXXX with weird {$120.00}?? 
Please, help me to REMOVE Inaccurate {$120.00} from my Credit History on Experian Credit Report. 

Experian Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine. 
Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # # # # # # 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 a account without my written instructions
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Removal of Private Mortgage Insurance : On XX/XX/2020 I paid down my principle to below the 80 % LTV threshold to remove PMI. I contacted my mortgage service provider, Citizens One Mortgage to request removal of PMI. It took them several weeks to send me a document that I needed to fill out to request cancellation of PMI. I have filled out the required paperwork and both faxed and mailed it back to Citizens One but I have not yet received a response. 

The process to cancel mortgage insurance appears to be intentionally slow and complicated and this will end up costing me hundreds of dollars of unnecessary PMI payments due to the slow response. I need a response from my service provider, and I need them to reimburse me for the extra PMI that I have been forced to pay after my LTV went below 80 %.
Consumer complaint received 2020-07-14
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. (NC)

Filed a Ide.ntity Theft Report and sent a copy to Equifax Credit Bureau, on XXXX XXXX. I attached the Identity report as well as a copy FCRC 605 forms. As of the to XXXX XXXX, report hasn't been updated or information removed
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (TX)

I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have been trying to access my Coinbase account since the start of this year. There is XXXX security but I have advised them several times that I am in another country without the same phone number. Each time I am told they are looking into it, however, no progress has been made to date. They have now stopped replying to emails. My current case number is # XXXX. I have given them ample opportunity to engage with me and remedy this simple solution but now this matter needs to be escalated as they have my money and I can not access it.
Consumer complaint received 2021-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (CA)

I found a recommendation for a personal loan on XXXX. I then used uXXXX website to sign up for loan. I took out a loan for {$3500.00} on XX/XX/2021. I received {$3200.00} direct deposited into my XXXX  XXXX XXXX checking account on XX/XX/XXXX. I found a family member willing to loan me the money. So I called the company to cancel the loan ( and return the money ) within a few hours of receiving deposit on XX/XX/XXXX. They told me they would attempt to cancel loan and contact me back. Later that day I received an email that they could not cancel loan, But that I could pay it off without a penalty. My mother informed me of a regulation that allows for a cooling of period. This would allow me to cancel the loan within a few days- 2 weeks of signing the loan. I researched and found it covers personal loans.I called again to request a cancellation this time citing my rights to cooling off period on XX/XX/XXXX, they told me I would be contacted back. XX/XX/XXXX, received email from upstart saying they would refund part of origination fees if paid off and in the next email on XX/XX/XXXX they said You may however, payoff your loan without any penalties in doing so. If looking to payoff your loan early, you would only pay the interest that accrued up to that point included in the outstanding principal amount. I promptly initiated payment on XXXX. On XX/XX/XXXX {$3500.00} was withdrawn from my account. I wanted my origination fees back so I have contacted the company twice since payment date via email. I have not received a response.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery continues to pull my credit without my consent. This has been goin on for some time. I will also report them to the Federal Trade Commissioner. Please see attached new inquiry made on my XXXX credit.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-24
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to XXXX XXXX Transunion 1997, XXXX, Transunion and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 42 USC 408, 15 USC 1666b Delete ACCOUNT
Consumer complaint received 2022-11-20
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. (CT)

XXXX Account XXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (KY)

I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act CREDIT BUREAU SYSTEM Account # beginning in XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX Account XXXX XXXXXXXX, has violated my rights15 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. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.