davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

TRANSUNION : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2021-02-28
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. (SC)

I sent a Certified XXXXispute Letter to Transunion XXXX XXXX # XXXX XXXX and it was received on XXXX XXXX XXXX XXXX days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I am writing this complaint to request that you remove the following unauthorized inquiries from my credit report : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Creditor : XXXX XXXX  Inquiry date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX Inquiry date : XX/XX/XXXX Section XXXX XXXX f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. None of these inquiries were made by me therefore they do not have have permissible purpose. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I want these inquiries removed immediately as they are cause a devastating dip in my Fico Credit Score. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2023-04-06
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.
Consumer complaint received 2024-02-27
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. (IL)

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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (AZ)

My mortgage company, XXXX XXXX, sold my mortgage to their sub servicer company, LoanCare. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A XXXX XXXX  representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX  and XXXX  as those reflect the 15 point reduction. XXXX  hasn't updated this yet.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

My mortgage was purchased by a lender ( XXXX XXXX ) other than who I orginally used for financing. That lender then contracted Loan Care to sub-service the loan. That was approximatley a month and a half ago. I have yet to recieve a welcome packet or any statements. After 4 hours of my life wasted, I was finally able to get something with a pulse on the phone. That person provided me with my account number and adivsed she would be mailing and Emailing a statement. I have yet to recieve either. I was able to set up and account online. Today, I attempt to make a payment and the login credentials that I set up are not being recognized by the site, nor are the temporary passwords they provided. I have been on hold for over an hour waiting for someone to pick up the line. I just want to make a payment .... 

UPDATE : I reached someoen who prompted me to do set up a new account. That did not work either. He then tole me he had never ran into this before and to call back after 5?? Maybe the intelligent folks work the late shift? 

My payment is due today. Ive yet to recieve anything from the company and have no way of making the payment despite every attempt.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (VA)

Citi Bank has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act.
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. (OH)

15 usc 1681a 15 usc 1681 section 602 15 usc section 604 Indcate inaccurate information on all consumer reports Indcate I have a right to privacy Indcate my information can not be sold or transferred without my consent
Consumer complaint received 2022-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (SC)

All of my XXXX counts shows late payments that are inaccurate. Ive tried several times to fix this issue and XXXX refuses to do a thorough research of my account. I am showing late payments on my account after a unemployment forbearance was submitted. XXXX replied back stating that these were prior to forbearance when it fact I completed my documentation and had many phone calls to make sure there were no late payments or defaults. The loans were sent to default and after a lot of calls, emails and complaints XXXX realized it was an error on their behalf and rescinded the defaulted loans and placed back into good standing.This matter needs to be thoroughly investigated and case should not just be closed bc XXXX responded with inaccurate information.
Consumer complaint received 2020-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc (LA)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged of the alleged debt in its entirety. Further, I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You re illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFBP is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Consumer complaint received 2022-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I qualify for the Public Student Loan forgiveness ( under the temporary relief program ). I had two different servicers initially ( XXXX XXXX XXXX  and American Education Services ). The loans from American Education Services had to be consolidated and were transferred to Fedloans. These loans were forgiven on XX/XX/2021. The loans from XXXX XXXX did not transfer over and I called both servicers trying to get them transferred. Eventually, someone at XXXX XXXX was able to get them transferred to Fed loans. The issue is that my employment date is incorrect. The correct dates are in the portal at Fedloans and have been since I initiated this process in XXXX. Also my payment counts are showing that they are ineligible because my employment dates are incorrect but clearly the form shows that I have been at the same employer for the past 11 years. My account has definitely been mishandled and I am dissatisfied by the lack of knowledge as provided by both servicers.
Consumer complaint received 2022-01-15
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. (OH)

On XX/XX/21 I disputed this account ( XXXX XXXX ) was reporting inaccurate information ( Terms ) on my report. I have not signed any contract terms with 74 mos. or ever been late on this account. I requested that you verify and update this information and to this day you have failed to resolve this issue. I demand that you update this account to " PAID AS AGREED '' or I will litigate this due to the stress you have cause me.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

In XXXX of 2018, Comenity Bank put a late payment on my account. This was an auto-pay issue. The creditor recognized this on their end because when I called to let them know I couldn't make a payment, a rep from the bank told me they had the same issue with other users. They told me to wait a couple of days and try again. Which I did and the payment went through. They also told me that they won't charge me a late fee or report the late payment which they never removed the late payment that was associated with the same issue. It popped up on the credit bureaus and has greatly lowered my score.
Consumer complaint received 2022-01-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and also the original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE SERVICES II LLC d/b/a Capital One. I was advised of this transgression of my consumer rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE SERVICES II LLC d/b/a Capital One via U.S. mail. The most recent response was received on XX/XX/2022, however, there were XXXX prior denials of my ability to access my open-end credit plan where they continued to violate my rights. 
In accordance to 15 USX 1502 definitions of the Truth in Lending Act. I as the natural person possessing an open-end credit plan was harmed by CAPITAL ONE SERVICES II LLC d/b/a Capital One advise action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) are up to {$5000.00}. CAPITAL ONE SERVICES II LLC d/b/a Capital One is liable to pay me for my damages.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

XX/XX/18 Wells Fargo VISA debit card given to XXXX merchant. Checking statement showed XX/XX/2018 withdrawal completed. Many letters on issue and bank says Wells Fargo VSA debit card does not cover merchandise /services, in accordance with Federal Reserve Regulation E on EFTA . Only certain errors are covered under federal laws. 
The bank by incorrectly processing the VISA debit card created a merchandise dispute, but erroneously handed the dispute as a credit card for merchandise. 
The bank has refused all demands and closed the issue last XXXX. The bank was legally subpoenaed for all debit card transaction with that merchant only,, XXXX, chargebacks, XXXX, merchant service records, but only produced a XXXX, 2018 bank statement showing the initial XX/XX/18 Purchase authorization, but they did state the Reg. E does not cover merchandise/ services, only ERRORS. 
Please clarify that when a debit card is given to a merchant, no disputes on merchandise can be made, A debit card is like a check or a EFT and unless the merchant agrees to refund or credit the debit card, there is no protection under law, even if the merchant erroneously runs it on a XXXX as a credit card in error?
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (TX)

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.
Consumer complaint received 2020-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (SD)

My name is XXXX XXXX Here is dates and times iv received calls on a debt that is not even in my name. It is someone else debt. I have repeatedly told them to stop calling me. This debt has nothing to do with me? They call 2-3 times a day sometimes more. I have blocked many numbers they call from but they use a spoof program of some sort so always calling from a different number. 

I would like the calls to stop! it has nothing to do with me! 

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 Thank you! 
XXXX
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I paid my rent online through US Bank * ( {$1800.00} ). On XX/XX/XXXX I charged {$25.00} for gas, using my US Bank Debit card ( same account ). I left town for couple weeks. I returned and checked my account online. I noticed I was overdrawn. I went into the branch where I have had my account for 5 years. XXXX the manager told me she would reach out to XXXX who would be able to assist me. I complained about my balance being {$150.00}, and requested assistance. I checked back, but was told XXXX was out until the next week. I left a message with XXXX to get some help. XXXX called me back at the end of the week explaining XXXX would return the following Tuesday from Vacation. The next week I spoke with XXXX who told me they could do nothing. I received a final bill of {$240.00}. 
I am complaining because this was a debit card, it should not have been charged in the first instance ( XX/XX/XXXX ). I was thinking the branch manager would assist me, but then she was not able to help and by the time this all passed my account got closed and I went from a {$25.00} error to a {$250.00} fee.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: The CMI Group, Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2021, I wrote to Midland Credit disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/2021, I received a letter back from Midland Credit. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. 

On XX/XX/2021, I responded back to Midland Credit, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. 

As of today, XX/XX/2021, I have not heard back from Midland Credit, and they are still reporting the collection account on my Credit Report. I gave them 20 days to respond back and delete the account from my Credit Report but they have not done either. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.