davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
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. (NC)

I have disputed the debt owed with the company as well as with TransUnion. I submitted the FL Statutes regarding withholding rent for repairs. I served notice to XXXX XXXX advising rent would be withheld if repairs were not made. In addition to that I lodged a complaint and someone same out advising the company they were required to make the repairs. When the repairs were not made I exercised my rights and withheld rent. Eventually I broke the lease, also within my rights, because the repairs were not made and the apartment was uninhabitable. I complained to the State Attorney General 's Office and received an email advising they reached out to the company regarding my complaint but received no response. I do not owe XXXX XXXX. I moved out and I do not owe unpaid rent because I exercised my rights after they failed to make repairs timely. I moved into another residence and started that lease the end of XXXX beginning of XXXX. As retaliation they immediately placed this on my credit report. No one contacted me saying I owed anything to allow me to respond. Instead this was placed on my credit report and has remained on my credit in error causing me to be denied credit in error.
Consumer complaint received 2017-12-10
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)

I want an investigation into how and why Equifax allowed Customer Credit Reports to be breached and how I was affected by this unfortunate event. I want all available information Equifax has as a result of this breach to be disclosed to me indefinitely.
Consumer complaint received 2020-10-30
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: Experian Information Solutions Inc. (GA)

I contacted XXXX XXXX over a month ago regarding account. I also contacted Experian, XXXX, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.
Consumer complaint received 2021-04-08
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-08
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: Experian Information Solutions Inc. (MI)

XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.
Consumer complaint received 2020-10-30
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: BMW Financial Services NA, LLC (GA)

I contacted BMW Financial over a month ago regarding account. I also contacted XXXX, XXXX, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.
Consumer complaint received 2020-12-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my 1st CFPB complaint I have had to make about the lack of response. However, I have filed disputes submitted directly to TransUnion, XXXX  and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my first dispute on XX/XX/2020. This is not a delay ; this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by anyone to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken ()

I would like to bring your attention to a serious issue I have with Kraken transactions that first took place on XX/XX/2020. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company.

The funds were transferred utilizing Kraken 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2020 - I filed a dispute with Kraken.
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken ()

Krakens ( Payward , Ltd. ) transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Krakenpayments that first took place on XX/XX/2020. 
I have been victimized by a multilayered scam operation orchestrated byXXXX - the Company. 
The funds were transferred utilizing Kraken 's services in the total amountof XXXX EUR! 
I would also like to point out that on XX/XX/2020 - I filed adispute with Kraken.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I have been trying to get a hold of my loan servicer for several months about not being able to log in to my online account, and also to talk to a rep re : decreasing my payment so I can start paying my loan payments but I can not get ahold of anyone thru calls or emails, but they demand my payments anyways thru mailing of statements!!! Its wrong that that cant provide me with customer service!!! On their website it says increased wait times and increased wait times for emails to be answered this has been going on for some time.!!!
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-01-08
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: ALLY FINANCIAL INC. (IL)

Please remove my inquiries. I applied for a car loan and they ran my credit to 19 different places to get me approved for a loan and told me they were only running it for one place. Now I have numerous hard inquiries I need removed. Its making my credit bad please remove.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my Equifax that I have continuously asked to be removed. 
There are 25 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 22 Inquiries on my XXXX that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my Equifax that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX  : XXXX  XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my XXXX  that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.
Consumer complaint received 2021-04-08
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. (MI)

XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (OH)

Yeterday ( XX/XX/21 ), I signed up for XXXX. XXXX uses XXXX for background checks. Today ( XX/XX/21 ), I received my report, and there is false information on it. I know for a fact I have a perfect driving record, I am not a XXXX XXXX, and I have not committed any federal crime. I believe information from a XXXX XXXX  with my same name in TN is coming up on my report. He is XXXX years older than me.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

Recently my Zales jewelry credit card was closed without my permission during this financially difficult time because of the covid 19 I have not been able to use credit card that doesn't give credit card company to close my account and repo negative in my credit report.
Consumer complaint received 2024-02-23
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. (MN)

I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX for me, under XXXX XXXX. 
Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faculty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. 
Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute. 
Thank you in advance for your anticipated cooperation. 
Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-08
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. (SC)

This complaint is to put on notice that Equifax received my letter today and starts the clock for them to respond to my request. I have included my letter with tracking and a certified mail delivery receipt with signature. As a courtesy, I have also sent this letter and return receipt to XXXX XXXX XXXX the State attorney general of Georgia and My state attorney general XXXX XXXX XXXX to ensure compliance and further investigation into the investigative procedures by Equifax and maintenance and processing of my credit file to ensure that ALL federal laws have been applicable.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abbott Osborn Jacobs PLC (IA)

I have a judgment again me from a XXXX XXXX XXXX from back in XXXX. XXXX XXXX XXXX says the original creditor was XXXX. I have no idea who this company is. It has since been turned over to the law firm of Abbott Osborn Jacobs PLC. I requested in writing for validation of this debt back in XXXX from the law firm and all I got back was the judgment. 
I already knew the judgment as I couldnt get more info or knew what to do before the judgement was entered back in XXXX. Eight years went by before i got communication for this " supposed '' debt. 
Now the law firm is trying to garnish my wages. 
on XXXX contacted the law firm for more info, as i was told i could not talk to XXXX XXXX as the law firm represented them. I asked the law firm to contact XXXX XXXX to get the information from the original creditor XXXX. I was told they would not do that. 
Looked up XXXX online and found a phone number to call. I called the number and it was answered " a XXXX XXXX '' by a gentlemen with a foreign accent. I told them i was calling about an old debt i might have. He replied, Ok Thank You.. then hung up. 

I have filed a Motion to Quash and Request a Hearing with the courts to get help.
Consumer complaint received 2021-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Ive called XXXX, transunion and XXXX to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services, LLC states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate information.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc (TN)

I routed money to the card, once money was deposited to the card the company place a hold on the funds and a freeze limiting the normal uses usually available for the average card user. This is the second time that the company has taken such measures for the same reason ; reason being suspicious activity in which there is no logical suspicious activity. I presented the company with the name of the sender, the reason the money was sent to the card, my identification documents, and identifying documents for the payment method used. The company remains unresponsive and initial gave no fair reasons as to why such methods was placed. These actions are unfounded and unreasonable.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I called Merchant Medical once in XX/XX/2020, and again in XX/XX/2020 to have XXXX XXXX taken off my credit report because the debt was paid.I still have the debt on my credit report.I contacted XXXX XXXX and they say I owe nothing. Merchant Medical is ignoring this imformation, and continuing to ruin my credit.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc. (CT)

Last Wednesday I received a Debit card with my information on the letter and my name on the card. I immediately reported to cash app I did not request this and let them know someone fraudulently opened an account with them I was told I would be reached out via email the next business day I received no contact and fought with customer service for 3 hours just to get an in contact from a manager who used very obvious templates to reply to me and did not address any concern. I tried contacting another customer service again m and all I get is a reference number that I cant even check a status on and told everything is worked on in the order it is received. Today is the 3rd business day and my bank accounts have been frozen almost a week to protect myself until this is resolved. I need a status update that they are even doing anything
Consumer complaint received 2021-10-15
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. (TX)

Hello, I am a recent victim of identity theft and after consulting with my legal team and contacting the CRAs, I was told to file an FTC report. I went to my local police department also and they said that is out of their jurisdiction so I was not able to get a police report but I did get an FTC report which is attached down below. I also have different addresses and employers on my report as well. I have already mailed each CRA as well via certified mail and provide each CRA the full authorization to investigate and block these account at once.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (IN)

I am doing my own disputes. When I contacted them, I told them I hsd sent in disputes for all companies. Nobody heard me, I think I was talking to a robot. They filed disputes again which mines were delayed but one went through that I. I. I. had disputed. I told them about the bankruptcy. Tols them I wasnt interested in XXXX. Still charged. Its been over 45 days and I have heard anything.