davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
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. (CA)

TransUnion, LLC conducted an investigation into items listed on my credit report which I disputed in the month of XXXX XXXX. The investigation was completed according to paper work on XX/XX/2019 (see file# XXXX). In the investigation results it shows items listed below:  [XXXX XXXX - XXXX* - Verified as belonging to me] [XXXX/XXXX  XXXX  - *XXXX - Verified as belonging to me][XXXX/XXXX  XXXX - *XXXX  - Verified as belonging to me][XXXX/XXXX XXXX - XXXX* - Verified as belonging to me]  [XXXX  XXXX XXXX - XXXX* - Verified as belonging to me][XXXX  XXXX - XXXX* - Verified as belonging to me][XXXX  XXXX XXXX - #XXXX* - Verified as belonging to me (Same Item was removed from my XXXX  for lack of Verification)][XXXX  XXXX  XXXX  XXXX  - #unknown - Was never investigated, nor am I familiar with this collection as I've never gotten anything back from this collector proving this is my debt.]I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked TransUnion, LLC to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified. I then sent a Method of Verification letter on XX/XX/2019 which was CONFIRMED received onXX/XX/2019 to TransUnion, LLC exercising my rights under FCRA 611(a)(6)(B(iii) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I received a bogus response from TransUnion, LLC today stating a general explanation about their investigation process, but no proof of items in question ever being investigated. This was an improper Method of Verification response and against my FCRA right. I have attached all documentation backing up my claim for your review CFPB.
Consumer complaint received 2022-04-27
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. (GA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2021-05-07
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: Experian Information Solutions Inc. (TX)

I have complained over 4 years regarding identity theft. I now rely upon Experian to research. I have sent sheriffs reports. FTC Identity Theft Affidavit, IRS Identity Theft Affidavit, and XXXX of thief reflected in Sheriffs Report to XXXX XXXX AXXXX XXXX XXXX XXXX, and XXXX. And I am now sending to Experian and please request Experian to review the attached FTC Identity Theft Affidavit, IRS Identity Theft Affidavit, XXXX XXXX, and sheriff 's reports and remove from my credit report. More specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested copies of the credit report and the permissible permission XXXX used to request Experian to send XXXX my credit report. All of this led to a fraudulent loan. XXXX has yet to send this information. I request Experian request this information and then send to me.
Consumer complaint received 2021-05-25
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. (PA)

Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items XXXX fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (NJ)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2021-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted my dispute for XXXX XXXX on XX/XX/2021 I Transunion Received my Dispute ( Files attached stating received ) I am well over my 30 days and I have yet to have any results via mail nor email I reached out to transunion directly for an update and on a recorded line representative XXXX Stated I should receive my results by XX/XX/XXXX. Today is XX/XX/XXXX I havent received any dispute results for XXXX XXXX, my Rights have been undermined and neglected.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (KS)

I SUBMITTED ALL INFORMATION REQUIRED TO RECEIVE A LOAN ESTIMATE ON XX/XX/21 TO XXXX XXXX XXXX XXXX XXXX ) AND AS OF XX/XX/21 I HAVE NOT RECEIVED MY LOAN ESTIMATE. I BELIEVE I AM BEING DISCRIMINATED AGAINST DUE TO THE LOW PRICE OF THE HOME I CAN AFFORD. I ASKED A SUPERVISOR THAT I WORK WITH ANOTHER LOAN OFFICER BUT I WAS DENIED.
Consumer complaint received 2019-08-18
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. (TX)

I have 3 student loan accounts from the creditor XXXX. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids Equifax from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. A)  Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 	.	(B)  Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if 	.	(i)  the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and 	.	(ii)  the information is, in fact, inaccurate. Equifax only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. Lukert v. Eldridge, 49 Mont. 46, 139 P. 999, 1001; People ex rel. Fennell v. Wilmot, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in Equifax's investigation. Equifax is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from XXXX confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated.
Consumer complaint received 2023-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (IL)

Requested Lexis Nexis Consumer Center by website last year around XXXX  2022, as well as by phone tried to get free XXXX XXXX  for XXXX XXXX XXXX  Company never responded or sent free report as requested by mail/ website
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NY)

I received a settlement offer of {$130.00} with an original balance of {$540.00}. 

Requested payment date was XX/XX/22 The letter stated my account would be satisfied and closed if I pay the resolution amount by XX/XX/22 The payment was received and posted on XX/XX/22 I just received a letter stating, I owe the balance due of {$410.00}. 

I accepted the terms and fulfilled what was required and they still want full payment, even though I paid the settlement offer
Consumer complaint received 2019-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC was not allowing mo to pay my loan over the phone. I tried several times but it failed. The automated system was telling me that my payment was submitted successfully   but then he payment never should up and i was keeping on being charged interest for a full month extra. I tried over 5 times to make payments in that month but everything was failing. I was away on vocation so it was impossible for me to go into a branch and make a payment.
Consumer complaint received 2018-02-26
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. (KY)

In my credit report that is a collection account for {$300.00} under the name of XXXX XXXX. I do not own this account and It was already paid with the original creditor many years ago. Account number is XXXX with XX/XX/2016 as account date.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

On Wednesday XX/XX/XXXX my bank account was closed for unknown reasons with CITI bank. They have refused to refund my the {$230000.00} available balance in the account as they can not verify my phone number on public record. The account was open for a year with two phone numbers that were previously able to be used to verify my identity. I have given them every phone number ever associated with my name but still they can not verify my identity or give me an alternative method to receive my funds. I have had a new york lawyer reach out who also was never given a response.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-27
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-05-06
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. (IA)

I still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with XXXX XXXX XXXX
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 filed claim for unauthorized atm transaction {$800.00} filed a claim with Bank of America edd card svc my card and account was closed and no refund of money yet was to 60 days it has been 5 months no credit but card was re activated. Claim # XXXX
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (CA)

i'm complaining about unfair portrayal of credit information on experian, XXXX, and XXXX.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX XXXX XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (GA)

XXXX XXXX KIKOFF LENDING XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that the above referenced account being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : Never Opened an account personally and never went to a branch. FALSE ACCOUNT AND FRAUD ; Inaccurate Information reported.If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records. Sincerely, XXXX XXXX
Consumer complaint received 2022-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: LendKey Technologies, Inc. (DC)

I took out a variable rate Student Loan with LendKey through XXXX XXXX XXXX XXXX in XXXX of XXXX. While I understand that my rate will change, and I have agreed to those terms. I have not been contacted or notified by either XXXX or XXXX XXXX of two rate changes prior to or after the increase. I believe it is unethical, and predatory to not inform borrows of rate changes. In my case, I would have changed my monthly payment ammount to adjust. 

Date Index Margin Discount Rate XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (MD)

My wallet was stolen in XXXX. I believe it was the caretaker. Citibank claims that my caretaker was an authorized user on my credit card. I sent them paper work stating that he was removed. The caretaker got a cash advance deposited in his account. I recived a text message from citibank and immediately stated it was fraud. They stated they would stop the transaction but did not. This happened in XX/XX/XXXX. The caretaker left in XX/XX/XXXX. I called and made a police report. Due to my state of mind at the time, I did not respond to the police to my best ability. The credit card company sent this case to a collection agency. I have not seen the caretaker and I a fearful of his actions now. I thought he could be trusted because of his position as a XXXX police Officer but I was wrong. When I call the police, they would tell me its a civil matter. He just recently is using my address to get mail in which I informed the post office that he does not live here. I believe this is financial abuse..
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Chase sent me a renewal XXXX MasterCard towards the end of XXXXr/early XX/XX/XXXX, however I was in XXXX when the renewal card was mailed out ( between XX/XX/XXXX and XX/XX/XXXX ) and never received it. I reported the fraud charges as soon as I saw them on my card statement on XX/XX/XXXX. 

There were a total of 8 fraudulent charges, and Chase agreed to reverse one of them. The other 7 fraudulent charges were not reversed because I supposedly received benefit from those transactions, however I never received my card, never activated it and most certainly did not incur any charge on the new card, AT ALL. 

Fraud charges : XX/XX/XXXX - {$33.00} XX/XX/XXXX - {$720.00} XX/XX/XXXX - {$700.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$540.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$700.00} ( reversed ) I subsequently tried contacting them to review my case three times, in XXXX, XXXX and XXXX. All three times they reviewed the case and held me liable for what are clearly fraudulent transactions.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I asked them company to send me a bill of sale or proof that they own this debt. I only received bills. I need them to delete this off my credit report. They are violating my rights. I need to know who owns the right to collect this debt.
Consumer complaint received 2021-07-15
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.