davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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. (FL)

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Furnishing, XXXX and XXXX  ). The identity theft accounts are : XXXX XXXX XXXX ( 4 accounts ), XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX. The unknown collection accounts are : XXXX XXXX XXXX ( twice ) and XXXX XXXX XXXX XXXX XXXX XXXX WOW. These collection creditors have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Consumer complaint received 2021-06-02
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)

TransUnion is reporting 5 late payment in the Account Summary for XXXX and they are no late payments showing in my credit report. I have requested this correction a number of times and TransUnion refuse to correct the issue. The next step will be a law suit for the sure and I will reach out the Attorney General as well. I have attached supporting picture and you see that Trans Union is the only one reporting this information and effecting my credit score.
Consumer complaint received 2018-03-05
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. (TN)

XX/XX/XXXX I had a chance to review my Transunion credit report via XXXX XXXX.On it I noticed an error. I saw that I had a XXXX account on my credit report in which I do but it is not the right account infromation that is on my actually XXXX bill. I disputed several times by certified mail due to this incident and sent it to Transunion. Tranunions says its right then says that XXXX has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called Transunion and XXXX to correct the account information. My XXXX account number is XXXX. Yet the XXXX account still remains.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

Good day, I am getting calls and emails from Navient which is my loan servicer. They want me to pay my loan and they have stated that I have not made a payment in almost 90 days. I am the understanding that my loans were in hold due to the government. They also just reported my loans late to all credit reporting companies. I feel that they're taking aventage of persons and they want parents when payments are frozen.
Consumer complaint received 2021-12-09
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. (TX)

I have been trying to resolve the issue of late payment on this account for month ( XXXX XXXX  {$61000.00} Account number XXXX ). The report on Equifax shows us being late for 2 months ; the report on XXXX show us as being late for 2 months and XXXX show us as being late for 3 months ). I am have never been late on any mortgage payment. As you can see all 3 bureaus reporting are not accurate therefore the bureaus have violated my right under FCRA. I have for many months asked for a full validation or remove these inaccuracies. All I get back that it updated and factual with no explanation. I have attached a snapshot from all 3 credit bureau reports
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (DC)

On XX/XX/XXXX I received my Annual Escrow Account Disclosure Statement, which adjusted my mortgage payment effective XX/XX/XXXX. The statement included activity from XX/XX/XXXX through XX/XX/XXXX in order to project the balance at the end of period. The statement included an actual tax payment of {$2900.00} in XX/XX/XXXX, as well as two " projected '' tax payments of {$1500.00} each in XXXX of XXXX. The " projected '' payments are for the same actual payment that was made. As a result, this statement shows my escrow account as underfunded by {$3300.00}. Due to this mistake, my mortgage payment was increased by {$240.00} starting XX/XX/XXXX. 

I contacted First Home Mortgage on XX/XX/XXXX about this error and was told that it would be reviewed and I would be contacted. On XX/XX/XXXX, I contacted them again and was told that the matter had not been looked at. After pressing the agent I was connected with a Supervisor named XXXX who stated that she would look into in and either herself or her manager ( XXXX ) would contact me. As of XX/XX/XXXX, no one has contacted me and I have not received the correct amount for my mortgage payment this month.
Consumer complaint received 2021-06-02
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. (NY)

This issue upsets me a lot because I know that it'll affect me with my further transaction and I know it'll become harder to make deals with credit. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ).
Consumer complaint received 2021-06-02
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: BARCLAYS BANK DELAWARE (OH)

I filed a complaint previously with CFPB under this reference number : XXXX. You did not allow me to rebut the response from Barclay 's. So I'm attaching more information to prove my side of the story. Barclay 's responded that the Merchant says I ordered a Bed Pillow. I did not order a Bed Pillow. I ordered a Nail Finisher. But received a package of disposable masks ( in reference number XXXX, I provided a photograph of the masks ). I'm attaching a copy of the email Order Details/Receipt sent to me from the Merchant dated XX/XX/2020 which PROVES that I purchased a Nail Finisher from this Merchant. Not a Bed Pillow. And not disposable masks. I am asking once again that you ask the Merchant to provide you with the Receipt for my order number XXXX, and you will see the same as my attached receipt. I want my {$76.00} to be refunded to me.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please remove these items because I do not know them. Somebody took my personal information and managed these items. I do not recognize these inquires and therefore I kindly ask you to remove all of them because I can not afford loans anymore because of those unknown items in my credit report. Life is difficult especially when I see something like this! I am identity theft victim. Thank you
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank (MI)

I applied for a secured credit card through First Progress to help rebuild my credit. I paid a XXXX. Dollar deposit that was supposed to be the actual credit limit of the card.After weeks of emails from this company telling me my card was on its way and emails saying I should have my card and wanting me to set up online payments for this card, I still had not received the actual card. When I contacted the company by email I was told it was on its way, there was a billing problem one time and an application delay the next time I finally contacted them by phone, the customer service person I spoke with didnt have a clue what was going on, so I asked for a supervisor, I was kept on hold for over 20 minutes and she promptly told me my application was denied and had been denied over a week prior, so when I asked about my deposit, she said they refund the deposit within 3 business days of the denial, I than asked well if it was denied over a week ago how come I havent received it back on to debit card? She then told me that I would be refunded the full amount by the end of that day. That was over a week ago, this feels like a scam and unfortunately I also sent these people a lot of personal information including a copy of my drivers license and bank statements, thats my biggest concern. I definitely should have done more research before I did this!!
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX California XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX Balance : $ XXXX : XXXX DOB : XX/XX/XXXX To Whom It May Concern : XXXX XXXX XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/year> File a divorce in the decree wife was to make payments in a timely manner. Account has been late and a XXXX XXXX was filed without my consent or knowledge. Due to her filing bankruptcy and because I am a cosigner on the vehicle, they have placed her bankruptcy as well on my credit report hindering me from obtaining homeownership. I am requesting for this bankruptcy account to be removed as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions.
Consumer complaint received 2021-12-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX, and Experian are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2021-06-02
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)

Transunion is reporting this account on my credit report. They have re-aged the date of last activity and is reporting the date of last activity as XX/XX/2021. under FCRA 605 ( C ) running of the period it is a consumer protection under the FCRA VIOLATION to try and re-ag an account by updating the date of last activity on my credit repot in hopes of keeping negative information on my account longer. this violation is sueable by 1000 in fines.

i have uploaded my credit report for XXXX, XXXX and XXXX. in all three reports they have constantly re-aged the date of last update.
Consumer complaint received 2019-06-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services of Iowa Inc. (IA)

None of those options correctly defined my complaint. On XX/XX/19 I received notice of a debt in collections with Credit Bureau Service of Iowa , Inc ( hereinafter " CBSI '' ). I recognized the debt and knew the original creditor. I decided to tackle it head-on and went online to make a payment. I authorized on my card a charge dated XX/XX/19. I read the terms and conditions and it explicitly stated there would be no fees applied to my card. I checked my card statement today and there was a {$0.00} charge pending on my card from CBSI. I reported this as fraud on my card. This was not stated as a fee anywhere on the payment page. I also thought it was odd that they did not list the actual terms and conditions of the agreement anywhere on the payment page. I have photo documentation of the payment page and terms and conditions. I'm pretty sure it is against the FDCPA to charge additional fees prior to a post-dated payment when " no fee '' was stated explicitly on their payment page.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed more than XXXX transactions. I was given a provisional credit on all of the small transactions but the large transaction for {$3700.00} I was told I have to wait XXXX business days for the provisional credit. So I told them that they making me wait for the big amount but not have to wait for a lalsmall amount. It is all my money. XXXX does not do this type of banking practice.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently pulled a copy of my credit report and noticed accounts that I have not authorized nor have any affiliation with. I contacted the credit reporting agencies to resolve the issue and also request method of verification. I have not received a formal response, and these fraudulent accounts reporting to my profile are severely impacting my ability to obtain credit. 

I have the right to privacy and have not given any written consent for this information to be furnished to my profile which is now in violation o

f 15 USC 1681b Furnishing fraudulent account in direct result to identity theft is in violation of 15 USC 1681 c-2. I requested addresses be removed from profile where I've never resided to preve
nt erroneous information from being furnished to my report. This issue still hasn't been resolved.
Consumer complaint received 2021-12-09
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: JPMORGAN CHASE & CO. (CA)

I was charged two transactions on my Amazon chase Visa card in XX/XX/2021. I contacted chase they issued a new credit card. They said they would remove the fraudulent transactions off my bill. I have contacted their fraud department over 20 times. They have conducted 4 investigations and told me I was responsible for one of the fraud transactions. {$1600.00}. I talked to numerous managers with no help. The charge is still on my card. Interest for over 8 months. I gave them all the evidence they asked for and they still say I owe the money. I have an email from a manager at XXXX stating these 2 transactions on XXXX XXXX were flagged as fraud and never delivered. I sent chase a copy of the email. I also sent them a screenshot of my order history and I have no orders or deliveries on that date. I am up against a wall. I have XXXX kids. I really need help with this
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified hard inquires accounts : US SM BUSINESS ADMINISTRATION ODA XXXX XXXX XXXX XXXX XXXX XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ga XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I will list the correct spelling of my name there are multiple name spellings as well those also need to be removed and are not accurate.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. XXXX XXXX   XXXX
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (UT)

In the month of XXXX my husband contacted Hunter Warfield collections in regards to an account that appears on our credit report. The company referred him to their legal department ( XXXX XXXX ) stating they are only the ones that control this account. My husband spent two days attempting to contact some at XXXX XXXX. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was XXXX as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation by the company. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is XXXX. The company misrepresented the amount owed and the fact that there was a judgment against us.