davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (OH)

On XX/XX/2022, I contacted Halsted Financial Services regarding a collection attempt for a supposed debt that I owe. As is standard practice, I sent a letter of debt verification to the company and instructed in the letter for them to send me back a letter of debt verification as well as to take the debt off of my credit report while the debt was being verified. During this, I gave the company 30 days to verify the debt. 

30 days passed and I heard nothing from XXXX XXXX, until one day I receive a letter from a new debt collection agency for the same amount of money and the debt was also placed on my credit report. It is my understanding that XXXX XXXX, instead of verifying my debt information and getting back to me accordingly, sold the debt to a different company and in the same breath placed the debt on my credit report.
Consumer complaint received 2022-10-13
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. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

I made and XXXX account in last year and purchased {$230.00} plus and paid off I submitted the payment my back provided proof also about the payment but comenity capital bank still calls me check on my credit score and flagged my account on late payment which wrong It has brought down my credit score and putting me in a difficult situation when I have to lease the car for my use
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (NJ)

THIS WILL BE THE 2ND REQUEST VIA WRITING TO CEASE AND DESIST ALL COLLECTION EFFORTS AGAINST ME. I DO NOT OWE XXXX ANY MONIES AS THIS ACCOUNT IS NOT MINE AND WAS OPENED UP WITHOUT MY KNOWLEDGE. I HAVE REQUESTED INVOICE COPIES AS WELL AS ANY INFORMATION REGARDING THIS ACCOUNT THAT WOULD BE HELPFUL IN THE PROCESUCTION OF THE PERSON THAT OPENED IT. TO XXXX XXXX XXXXXXXX, THIS INFORMATION REQUESTED MUST BE RECEIVED. I DO NOT WANT ANY OFFERS TO PAY 50 PERCENT OF A DEBT THAT I DID NOT INCUR. I WILL BE CONTACTING THE POLICE.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I did not consent, authorize nor benefit from any of the following inquiries. Block and remove them. 

XXXX. XXXX XXXX XXXX XXXXXX/XX/2021 XXXX. XXXX XXXX XXXX  - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX. 
I went into the XXXX XXXX XXXX XXXX. I needed some verification sent to " Equifax ", to verify that I use my original birth name, and that I changed my name due to error of XXXX on original birth certificate. I had to put an " Security Fraud '', and Security Alert '', on all, '' Credit Files '', XXXX, XXXX, and Equifax Credit File '', after finding out about the " Security Breach '' with " Equifax ''. I'm also known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first time I tried to fax over verification to Equifax Dispute Department, The following Documents were required : Social Security Card Drivers License Utility Bill On XX/XX/XXXX. 
All these documents were sent. By Branch Manager : XXXX XXXX, these Legal Documents sending the required information to Equifax, on Friday, XX/XX/XXXX 
However, when I called to follow up on my request to " Lift My Credit Freeze, I was told by Equifax that they needed additional information. 
I was not able to get back to the XXXX  Branch location on the bus, so I went to an different location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN. XXXX Not sure of the Member Services, XXXX Employee Name, because he stated that his location is on XXXX XXXX XXXX XXXX, This XXXX Employee, said he took my " Legal Document, that I received from Probate Court to the copy machine, I explained to him that I spoke to Equifax on XX/XX/, and that I spoke to them again on XX/XX/XXXX. 
Equifax is accepting an fax of " Legal Documents of original name and XXXX correction on original birth certificate, XXXX XXXX XXXX XXXX, The XXXX Employee, came back from copy/fax machine in the XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. He could not find the Legal Document, and that he emailed to his person that was scanned. I asked for an confirmation number that the fax was sent to " Equifax '', I was told that he is not giving me nothing! He can't find the, '' Legal Document Scaned '',, and that it's nothing can be done about it? I asked the XXXX Employee, want happen to the " Legal Document ", that was to be faxed too " Equifax ''!

I can not believe, refuse to accept that once an legal Document, is scanned that it just disappeared, and why would my legal Document go into someone's personal emails?

I'm very concerned, and I Pray that no one has stolen my " Inheritance '', that my Great Grandfather, Grandfather, Father left me has not been stolen!

Your Professional Input in this matter is Greatly Appreciated!

P.S. Not Sure What How This Could Be Happing Over, and Over with these Banks, and Credit Unions? It does not Sound Ethical! 

Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commonwealth Financial Systems, Inc. (LA)

I higher XXXXXXXX XXXX  to help with my credi and I also hired XXXX  to clean my credit so that I could build a home and go back to school also to get my student loans back in good standings. I have tried to contact this common financial at this number that they finally provided on the web an its not an active number. Not to mention the fact that they had several different social security numbers that were not mine listed on this false account to begin with that they are claiming is mine to start out with. I do not recall ever being at this place and what they provided for XXXX  credit repair either I did not recognize at all. I have tried to get as much information as I could and I still do not know anymore about them nor was I able to get in touch with them at all the information they provided. I am kind of upset with XXXX credit Union bureau as well because I dont think they should have the right to delete the social security numbers either until I was able to get to the bottom of all of this. Also I dropped dramatically in my credit score and didnt see any good reason why I should have or was not giving me any reason why and I would like an explanation for thst also. If you could get to the bottom of this I would greatly appreciate it I have been working so hard for the past year or more on my credit and I dont feel like I have gotten very far at all because they keep dropping me dramatically and I feel like its all about keeping me for the money at this point and just nothing more. I feel just like they have no care about me and put me on the back burner kinda and my stomach is just got this worrying pit day after day because of this. I feel like I will never get right with my credit.
Consumer complaint received 2020-12-03
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: The Bureaus, Inc. (GA)

On XX/XX/2020 i received my letter from XXXX XXXX XXXX stating that my debt owed to XXXX  XXXX XXXX Credit Card has been paid in full. The Bureaus collection agency will not remove this debt from my credit report no matter how many times in the past 6 months i have disputed thru XXXX XXXX that the debt has been paid in full.
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I have contacted TD Bank on 6 different occasions to close my checking account. Each time they fail to do so. I dont have any money with TD Bank but they keep my account open to charge me fees. I have asked 6 times on 6 different occasions online and over the phone to close my account. 

CLOSE MY ACCOUNT TD BANK!!!!!!!!!!!!!!
Consumer complaint received 2020-11-16
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. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MD)

My loans are current serviced by NAVIENT. Under the XX/XX/XXXX temporary PSLF waiver, I submitted XXXX No. XXXX Form for employment certification for employment dating back to XX/XX/XXXX. I have remained a nurse for XXXX XXXX Hospital and University since that time working full-time. The form has been signed and was submitted US Certified Mail with delivery confirmation on XX/XX/XXXX. The package was received by PHEAA on XX/XX/XXXX. Complaint also raised to US. Dept. of Education via Federal Student Aid ( FSA ). FSA Feedback Case No. XXXX for FSA XXXX  XXXX.
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. (GA)

The items i will list will be items that DO NOT BELONG TO ME. The belong to someone with a similar name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (WA)

I am filing a complaint for violation of the CARES ACT on mortgage forbearance. Please see my complaint that is attached. I just realized it won't let me upload anymore attachments referenced on my complaint as it states file is over XXXX. But I think I included the important documents. Letter from XXXX stating the investor of my loan is XXXX XXXX and also on the loan modification agreement shows subject loan is a XXXX XXXX loan. I am not sure how to provide additional documents.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (FL)

During a phone call with Florida XXXX XXXX XXXX XXXX, the caller threatened to close my account if I did not pay immediately and sent the credit bureaus my negative comments showing multiple late payments on my account. I explained I had lost my job but payments were being made, the lady said I would lose my account and she was going to close my credit card if I did not pay the full due amount by the " end of the day! "
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (NE)

It is unfortunate that consumer must file an additional complaint against Discover Card for violating consumers right to due process under the law. Consumer filed a complaint ( Case No : XXXX ) with Consumer Financial Protection Bureau ( CFPB ) on XXXX XX/XX/2018. Consumer Financial Protection Bureau ( CFPB ) sent the complaint to Discover Card at XXXX XX/XX/2018. Consumer made every conceivable effort to communicate with Discover Card prior to filing the complaint but had no positive outcome from the effort. Consumer felt it necessary to file a CFPB complaint against Discover Card for " harassing '', intimidating tactics Discover Card was using to frighten consumer. By filing a formal complaint through the portal of the CFPB, consumer was utilizing consumers right to " due process. '' However, representatives of Discover Card continue to display a blatant disregard for consumers rights and adopt a superior attitude that Discover can do whatever it wants outside the realms of the law on any level as demonstrated by sending consumer an " email ' to consumers " private domain '' email address on XX/XX/2018 at XXXX. At no time has consumer given Discover Card permission to send an email ( to a private domain ) outside the complaint " portal '' ( and perimeters ) of the CFPB. By engaging in such blatant disregard for the law, Discover Card is trying to devalue consumers right to due process of law. Consumer had no positive outcome by engaging in dialogue with Discover Card prior to filing a complaint with the CFPB, that is why consumer filed the complaint in the first place. Consumer will not forgo consumers right to due process at this juncture. Discover Card does not have the authority to resolve the matter outside the portal of the CFPB as consumers efforts to communicate prior to the complaint failed. Discover Card is taking liberty of contacting consumer through a private domain without consumers prior knowledge or consent and by doing so Discover Card representatives are engaging in unauthorized access of electronic mail which constitutes invasion of privacy and is a federal crime. At no time does consumer wish to communicate with Discover Card representatives beyond the portals of the Consumer Financial Protection Bureau ( CFPB ) or authorities. Discover Card representatives MUST stay within the perimeters of the CFPB or settle the matter in a court of law. Consumer ask that Discover Card representatives honor consumers right to peaceful enjoyment of consumers home, phone and private email domain. Consumer will  not respond to any emails. Attached to this complaint is the email consumer received ( XX/XX/2018 from Discover Card representative ) in consumers private email domain without prior consent from consumer. If Discover Card continues to send emails to consumer 's private domain consumer will be forced to hire an attorney. Consumer wishes to thank the CFPB for providing this venue of mediation. It is greatly appreciated.
Consumer complaint received 2021-12-09
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. (GA)

I tried multiple times with initiating a dispute with TransUnion to get this fraudulent charge off account removed from off my credit report from TransUnion by sending in documentation supporting that claim by sending in a FTC report and a police report or XX/XX/XXXX and also by phone multiple times I contacted TransUnion on the XXXX and spoke to a representative and they told me that they can not accept the FTC report giving me the run-around and lying if I am sending in a police report stating that I am a victim of identity fraud they should remove it from off my credit report because it is not accurate I'm trying my best to work with the original creditor because I don't want to sue TransUnion or the original creditor this is giving me a headache or trying to get approved for loans credit card Etc
Consumer complaint received 2020-12-03
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. (CA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the equifax and marriot breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached as well.
Consumer complaint received 2023-04-10
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: CarMax, Inc. (IN)

on XX/XX/2023 I applied online for XXXX  XXXX auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over 45 mins
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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX I have attached a copy of the ID Theft Report with this complaint. The report number is XXXX. Please review.
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX ( XXXX Georgia XXXX ) # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.