davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-08
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (WI)

On XX/XX/2018 Lexis Nexis recieved my 1st of 3 certified dispute letters for bankruptcies that they have reporting under my Social Security number. I received a letter from them on XX/XX/2018 stating that the bankruptcies in question were verified and were reporting correctly on my LexisNexis report. 

In response to their letter I sent the 2nd of the 3 certified dispute letters on XX/XX/2018 asking if they could please send me a copy of the document bearing my signature as well as the as the name, address, and telephone number of each person that was contacted to verify the alleged bankruptcies. They received my 2nd certified  letter on XX/XX/2018. 

In response I received a letter from them on XX/XX/2018 again stating that everything was reporting correctly, but they failed to provide me with the documents that I asked for bearing my signature as well as the names, addresses, and telephone number of each person that verified the bankruptcy. 

On XX/XX/2018, I sent the 3rd certified letter to them ( LexisNexis ) demanding again that they send me a copy of the document bearing my signature as well as the each person used to verify the bankruptcies they are reporting. I even sent them a letter from the bankruptcy court that says they do NOT report any information to any credit agency. 

I received their response on XX/XX/2018, again stating they have verified the alleged accounts. I have repeatedly asked for their method of verification and they are refusing to give me this information except to say that they are using XXXX, which does not allow for 100 % verification because according to the Court Clerk I spoke with, statements of social security are redacted from not only my view but the public 's view.
Consumer complaint received 2022-01-19
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I purchased {$5700.00} of furniture and decor from XXXX XXXX on XX/XX/18 using their store-branded credit card ( can only be used at XXXX stores, not a XXXX, XXXX or XXXX logo card ). I checked off the box for a promotional 0 % financing for 12 months. I made sure that I did that critical part of the step. I paid my first payment due XXXX and when my following statement came due for XX/XX/XXXX, I noticed a {$120.00} interest charge on the statement. 

I didn't think the statement due in XXXX had all of the purchases I made on it because some of them hadn't been delivered, that's why when I saw the minimum payment as {$320.00}, I assumed that was because only half of the furniture had not been delivered. 

I called to dispute this and they told me they would return my call in the next couple of days. It has now been 7 days. I signed up for a 12 month promo period, and they just put it in a payment plan that was due immediately. This is very disappointing.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Account numbers # *XXXX Account # XXXX *XXXX Account # XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX *XXXX Account # XXXX
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

My account was closed by Chase Bank. The amount is XXXX and XXXX from previous balance. At this point, I do not know if interest has been added. On XX/XX/21 I received a letter from Chase indicating my funds will be made available with 8-10 business days. I have gone to branch and made over ten calls. I have written the office of the CEO in NY. I am tired and desperate.
Consumer complaint received 2020-09-22
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. (VA)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2018-04-07
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. (NC)

I originally contacted this company in early XX/XX/XXXX about some incorrect information on my credit report. I had a lot of inquires I did not authorized on my account. I was told to send in a letter listing the inquires I didn't authorize. Ok great, so I sent a XXXX letter to the company informing them of the inquires that weren't authorized by me. ( on or about XX/XX/XXXX ) Fast forward to today, I called transunion to ask about the status of my letter and was told the only way they will delete them is if I call all of the places, get letters from them, then file a police report for fraud, put a fraud alert on my credit and mail all of these things to them. 

This is absolutely absurd. I'm now demanding that you step in and require them to delete these unapproved inquires off of my report as I believe they are now hendering my ability to obtain credit. I'm well aware of my rights under the FCRA as well as the only reasons an inquiry should even be listed on my report. ( firm offer of credit, insurance, employment or court order ) NONE of these following inquires meet this nor have I authorized them. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX When I contacted transunion today I got information I believe to not be true and I am so upset that a company that is under law suppose to verify every piece of information is going to make the consumer out to be a liar. I was told most of those inquires only count as one. But that is false because they are reporting on my credit report as individual hard inquires. 

TRANSUNION ISNT ABOVE THE LAW.
Consumer complaint received 2018-03-12
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: Southern Auto Finance Co (FL)

On XX/XX/XXXX, SAFCO has issued their attached written response to my recent CFPB complaint. Within this written response, SAFCO has indicated that they processed an application for credit from the consumer on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX. SAFCO has also indicated that the application for credit included all of the consumer 's personal identifying information. Despite the above responses, SAFCO has failed to produce any proof of a signed credit application by the consumer which was processed on XX/XX/XXXX. SAFCO has also failed to produce any evidence which directly relates to a legible copy of the consumer 's personal identifying information or a copy of a valid photo ID which supports the consumer 's above credit application process on XX/XX/XXXX. NOTE : SAFCO ( Southern Auto Finance Co. ).
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX Called at XXXX got XXXX XXXX asked for SSN to verify, transferring me to XXXX XXXX XXXX XXXX XXXX in North Carolina XXXX I did not recognize this and let them know I never received written notification and would like to pay it if it wouldnt damage my credit. They told me that they could not delete it if I paid. I did stress I had not received written notification of this debt again and they did not comment on it. 

XX/XX/19 I called them again after speaking to XXXX XXXX who could not locate my account at all. Called them at XXXX got XXXX XXXX got transferred at XXXX to XXXX. On this call I was told it was for XXXX XXXX? I have never heard of them, nor visited this clinic. I dont even know of a XXXX doctor in my area. Asked to speak to a supervisor at XXXX. Got XXXX. He was incredibly rude even though he was made known no written notice was ever received. 

Ive been told this debt is from two different places on two different calls. I want written notice so I can validate or dispute this debt and the opportunity to pay it without damaging my credit once I am able to validate it, or the chance to dispute it as not mine.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-03-15
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: EQUIFAX, INC. (CA)

Turned it a couple of complaints regarding issue ... bankruptcy is a chapter XXXX for farmers not a chXXXX and was dismissed without prejudice not discharged ... 

We also received papaerwork from XXXX XXXX credit report agency ... will be attached that has removed the bankruptcy from our report gathering the same information as equifax ... only difference equifax will not remove
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Someone got access to my personal information and its ruining my credit by applying multiple accounts I don't have knowledge of what or who this could be. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (PA)

No matter how hard I try I am unable to talk directly to my lender. Everything that is provided to me is for an additional third party company. I have also never been provided with any recent disclosures. Their rules constantly change and they have never provided me in writing any thing.
Consumer complaint received 2020-09-22
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)

Experian and XXXX continues to report false and erroneous debt on my credit report. My wife and I moved out of XXXX XXXX XXXX in XXXX, Ga XXXX on Saturday, XX/XX/2020. We were let out of our lease due to XXXX not keeping a safe environment for my family and I which a XXXX  complaint was filed. 

XXXX XXXX the Area Manager for XXXX sent my wife an email on Mon, XX/XX/2020 at XXXX XXXX, stating : " Thank you for discussing your issues with me this morning. I have attached the move out instructions for your move on Saturday, XX/XX/XXXX. In addition, I want to confirm that there will be no lease termination fees added to your move out. Also, within that time you will not have any of the construction team members coming to your door to administer any work. '' I have attached this full email in PDF format for confirmation of this email form XXXX. 

Experian and XXXX also reported a false address on my credit report : XXXX XXXX XXXX XXXX, GA XXXX I never lived at this address, this is a friends address that they had my car towed back to temporarily after the company wrongfully and unlawfully had towed to an impound. This is also in the email attached to this complaint. On my credit report Experian and XXXX is reporting this debt is a vehicle lease debt, how can I owe a property management company that I rented an apartment from a vehicle lease debt? which is erroneous and totally false. So they continue to violate my rights by reporting false information on my reports. 

I disputed this matter with Experian several times and they continue to violate my rights after providing proof to them.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to dispute the accuracy of information on my credit report. After a thorough review, I have identified fraudulent accounts that have been incorrectly reported. Please investigate and rectify this matter promptly. I attached the letter with the FTC.
Consumer complaint received 2021-06-24
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. (AR)

I sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns
Consumer complaint received 2020-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

I have reported this company each month about the fees and charges that are not correct. I have sent and will continue to send complaint to have these fees removed. This company is very poor for any form of servicing. I send the payment certified mail with a cashier check. Long before it late date. They make it a point to add these fee. Please see the statement, that they held {$2500.00} before applying a payment of {$1100.00} to the account. Please escalate this to someone that can help me.
Consumer complaint received 2021-06-24
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. (AR)

I sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX I call to advised Transworld Systems Inc. that the debt they're attempting to collect on behalf of the reference Creditor 's Account # XXXX from the facility XXXX XXXX XXXX XXXX XXXX was settled and cleared in a letter dating XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating : " This letter is being sent to notify you that a charity write off has been applied to the account listed on this letter. The account is now considered closed. '' Transworld on the XX/XX/XXXX phone called referenced another medical company " XXXX XXXX '' unbeknownst to me and not found nor referenced on the debt collection letter.