davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-05
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. (SC)

Hard inquiry appears on my credit reports - Transunion, XXXX, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (HI)

On XX/XX/XXXX, I applied for a Barclaycard Visa with XXXX XXXX. Please note that I already hold a MasterCard  issued by Barclays and that my FICO score is in excess of XXXX. On XX/XX/XXXX, I received a letter requesting copies of my social security card, driver 's license and bank statement or utility bill with my name and address. I contacted Barclays and they told me that these documents were required to establish my identity. After that conversation, I copied these sensitive documents and mailed them to Barclays as requested. On XX/XX/XXXX, I mailed copies of my social security card, drivers license, bank statement, electric bill and a copy of my owner information and parcel description from the XXXX XXXX Real Property Tax Records. Throughout the month of XXXX, I have made numerous calls to Barclays and asked for the status of my application or to return my identification documents to me. They have done neither. Meanwhile, I received letters dated XX/XX/XXXX & XX/XX/XXXX requesting the information that I have previously sent to Barclays! Today, I called Barclays and this time, I was told that application was denied but the representative could not tell me the basis for the denial. Meanwhile, I am extremely worried that Barclays has lost my identification documents and I am at serious risk of identity theft due to their incompetence. Also, I am very concerned about the effect that a denial of credit will have on my FICO score. I have spent a lifetime maintaining a stellar credit rating which is now being jeopardized by Barclay 's negligence. Finally, please note that I am a senior citizen and that I believe that I am also a victim of age-related credit discrimination.
Consumer complaint received 2022-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022 I received a real time alert from the credit bureau that my social security was found on the dark web. On this date I pulled a copy of my credit report from Transunion and noticed that there were 4 inquires that I did not request nor did I have any knowledge of. On XX/XX/2022 I sent a Fair Credit Reporting Act, Section 609 letter CERTIFIED MAIL to Transunion exercising my right under this act to request information regarding the listed items. On XX/XX/2022 I contacted Transunion to do a follow up and a representative by the name of XXXX stated that inquires were factual information and could not be removed. I stated to him that I had mailed the certified letter and that as per Section 609, I am entitled to see the source of the information which is the original contract that contains my signature. She stated that 609 letters are not acceptable with Transunion. I am requesting that these items be investigated as that I did not request or apply for any new credit or product. I am also requesting that Transunion be investigated as to the way they handle potential identity theft or fraud. Thank you in advance for your time and attention to this matter.
Consumer complaint received 2022-09-08
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)

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2022-09-08
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)

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2017-09-10
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. (DC)

Equifax, despite no assertive behavior on my own, has collected and stored a wealth of credit information about me as a private citizen for years and has now subjected that data to a system breach. This is a fundamental breakdown of the public trust and social contract of our society. We did not ask for these monitoring services and now a *private* company* has lost all that data. The impact of this can not be overlooked. Loss of my data gives bad actors years of information they can use to now attempt to impersonate me or gain access to my online accounts. Please help and let 's get to work changing the way this entire ecosystem of quasi-government monitoring is handled.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX  has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2017-09-10
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. (PA)

My information was exposed in the recent hack of Equifax 's data. I have received no specific information from Equifax on what data was exposed, and have only been offered credit monitoring at the potential cost of releasing them from any liability for their compromising of my information.
Consumer complaint received 2017-09-10
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)

Due to the recent publicized Equifax Inc. hack of 145 million Americans extremely private data and me being impacted by this  leak, according to their own website, I am making this complaint. I literally have lost ALL of my private identity information to who knows where. My date of birth, social security number, banking info, address and all information stored by Equifax is now lost forever from any sort of privacy. I have put fraud alerts on my reports but this information will be forever able to be used by identity thieves.
Consumer complaint received 2019-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, My brother XXXX, sent me {$2000.00} from his Paypal Account to my account under ( XXXX ). The money left his account and was directed to my Paypal Account has been in a " Pending '' hold situation past the XX/XX/XXXX, advisory date on their schedule listed under a Help Tab, and on the automated phone response system. I have called them each day since theXX/XX/XXXX, and they continue to state you payment should clear today and no longer than the XX/XX/XXXX. 

I have found there explanations to be " not credible '' as to the delay and it is my belief that there delay is for profit of interest, since they do not earn a fee for their services. 

This is 2019, and there is no reason acceptable to expect this amount of time for a financial transaction, unless you have a house closing in Escrow.
Consumer complaint received 2017-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TN)

claims such as '' we can not deny you based upon : ... ... .... ... XXXX or excersing you rights as a credit consumer '' ... ( forced to say these days, however ... ) yet doesnt abide by this. 

I excersise my right and they refuse to honor to correct my accounts or my files, cotinuously reselling my debt and refusing to service the account. in the past we were not obligated to reply to XXXX parties. refuses to service sold accounts. THEN refuses credit because of " past actions and money owed to us '' ... when applying. 

not only is this extortion- I want the ability to open a credit line because others have XXXX me. MY atty said NOT TO PAY. you cant penalize me for that when upright was on retainer. quite frankly ( XXXX doing this too ) you cant stop me. XXXX was attempted, therefore the debt is invalid in full for both accounts. must be purged and we can try again. failure to comply will result in immeadiate lawsuit. I have another atty Im willing to hire- claims wiling to assist me.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Lockhart, Morris & Montgomery Inc. (FL)

I have a collection on my report that is from a debt over 8 years ago that a collection agency is reporting in 2020its a medical debt that I don't recognize, nothing has been, I explained this to XXXX law and they have done nothing plus the debt collector refuses to send docs proving debt
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (VA)

I accidentally paid my bill twice. When I saw the automatic payment had taken my funds ( {$2800.00} ) a second time at midnight on XX/XX/19, I called TD Bank Visa at XXXX XXXX on XX/XX/19. They said the money would have to be sent back by check and it would take 7-10 business days. I called back on XX/XX/19 and found out that only {$1500.00} had been refunded and that the check was just printed that day. I was told that the original person set it up as a credit and not a refund. They told me that corporate would have to review it and refund the remainder. I called on XX/XX/19 to find out that no one has reviewed it yet. My money has been fraudulently kept for almost a month now.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

the was received on X/XX/2017.
I am disputing this amount in FULL.
remove my name and alleged debt from your files. it was already addressed and resolved in previous years. thank you. XXXX XXXX XXXX attached document.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WV)

I have contacted XXXX and Navient as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However Navient constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.
Consumer complaint received 2017-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Falsely mislead me when I became co-signer on my daughters student loans. Contract stated and on web-site when student finish school XX/XX/XXXX that if payments were paid on time for ( 2 ) years co-signer would be released as co signer. When I called after the ( 2 ) years XX/XX/XXXX I was told that I could n't be released because of my daughter credit. I have been harassed telling me that I need to sell my timeshare to pay off the student loans and that my credit is in good standing and that I can afford it. I co-signed for ( 4 ) student loans.
Consumer complaint received 2017-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WI)

I have been making student loan payments dating back to the late XXXX 's. I retired in XXXX and have requested documentation of my student loan payments made to XXXX XXXX XXXX XXXX dating back to that time. I believe I started loan payments at least in XXXX, after I received my XXXX XXXX from XXXX. XXXX. However, my current loan holder, Mohela will not allow me access to the documentation of these payments without a " specific reason '' - as indicated in an email string ( attached page 2 of 3 dated XXXX ). Since student loans have a time factor ( years in payment ) - I need to know how many years I have been in payment status of these loans. I have been requesting this information from Mohela since XX/XX/XXXXand to date, have only received copies of my student loan payments made to Mohela ( attached documents received on XX/XX/XXXX ) and not XXXX XXXX. Additionally, they have indicated that my student loans have only been in payment to them since XXXX ( see attached page 3 of 3 in the email string dated XXXX ) ). I have been paying on these student loans for decades but can not get Mohela to release these payment records to me. I hope you can help facilitate this.
Consumer complaint received 2022-09-08
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. (FL)

CFPB XXXX XXXX XXXX XXXX, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2017-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I am adding additional information that was forgot on Complaint number XXXX I am enclosing the mortgage statement prior to my closing which shows Principal of XXXX which XXXX was added on with out NO approval and NO agreement in writing by the XXXX XXXX XXXX nor XXXX XXXX nor any approval from my wife XXXX XXXX XXXX, they can not just add principal on with some type of written approval for someone!!!! I only borrowed XXXX from XXXX XXXX /XXXX XXXX who sold it to XXXX then XXXX XXXX then back to XXXX then to XXXX , its like a game and they never have any answers and always XXXX up our credit, force place insurance on a 20 year old mortgage that is escrowed, and now with this {$11000.00} we are worn out with this types of mortgage companies they all provide the worst service more important they cant provide any approval so we want the {$11000.00} that the stole or added to our payoff as they refused to answer any letters and we were at closing so we had no choice but to close as we been trying to sell this home in Florida for over 2 years so they force this on the title company otherwise the closing would have fell apart. This is a second part to be added to complaint # XXXX. We would never want this to happen to someone else
Consumer complaint received 2021-06-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

After the breach at XXXX, I wanted to place credit freezes on my reports at the three major credit reporting bureaus using their telephone based systems. XXXX XXXX telephone system did n't work ( surprise! ), but XXXX XXXX did ( at least one company 's systems work! ). I tried TransUnion 's telephone freeze system, but also did not work. ( " Could not verify my information. '' ) So, I logged in to TransUnion 's website, where I clicked on the " credit freeze '' button on their homepage. I proceeded to answer the security and identity verification questions, successfully, and then they asked for a credit card, which seemed normal as I understood that there was a small charge to freeze one 's credit report. I provided that credit card number ( which was accepted ), and the next thing I knew I was prompted to set up an account ( username, password, security question, etc ). So, I set up an account and then all of a sudden it was clear that I had signed up for a credit monitoring service, even though I was never told that I was doing that. Finally, presumably, there 's a monthly charge for this, but that charge was never disclosed. 

All in all, a slick piece of work : instead of getting a credit freeze, which is all I wanted, I was tricked into signing up for credit monitoring at a completely undisclosed price.
Consumer complaint received 2017-08-22
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)

Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...
Consumer complaint received 2020-07-11
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: Santander Consumer USA Holdings Inc. (MD)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2017-09-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (TN)

I was sold a lemon that XXXX could not and would not fix. 
1- severe battery drain from computer ( causes failure to start if sitting ) 2- fuel tank pressure problems ( no gas cap and solenoid, etc. ) I offered to the scum that sold me to give it back and he openly refused af thx giving disaster outside of crossville trying to change a tire. I know how to change a tire.I had a spare. what I did not have was the custom tools for the custom nuts that were installed wo my permission when I was sold the car. I did ot ask for these modifications and they cost me over 200 extra to replace the tire. I was not compensated. XXXX in XXXX XXXX outside XXXX can confirm multiple visits for the lemon issues. They could not fix it. 

they took the car back but when I confronted XXXX and carmax about this they remain silent. My XXXX deposit has not been returned to me and they have been served multiple times. continue to want to collect a debt not owed. was forced into buying gap because they sell underwater cars.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (MA)

I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX and XXXX have removed the fraudulent items. I do not shop at the places listed. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other two credit reports.

I have disputed these item with Experian to no avail however the other two credit reporting agencies have removed the fraudulent items. I would like Experian to please do the same.