davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
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: SYNCHRONY FINANCIAL (NY)

XXXX displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX XXXX, those accounts have been listed like that on XXXX  for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX & XXXX ). Despite my several attempts to correct these issues with XXXX, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (OH)

2 chime cards were opened in my name and a electronic fund transfer document was filled out and emailed to me. I called and closed the accounts. 

Unemployment check from the state of ohio was sent to me. 

XXXX sent me a card that was opened in my name and I called and closed the account.
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (ND)

I paid of this loan a long time ago and did not receive my title, due to an address issue. I have called numerous times to request the pay of documentation so that I can request a new title and am consistently told that this is an issue they often have and that the rep 'will try ' to get me what I need, but I never get any documentation or follow up! I am so frustrated! I just need proper documentation showing this loan is paid off so I can get a copy of my vehicle title. This is ridiculous that it has literally been over a year and I can not get what I need.
Consumer complaint received 2021-10-22
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. (LA)

Disputed to credit reporting agency that I did not open any accounts in XXXX or XXXX. Also, collection agencies are reporting inaccurate information to keep account open just to report negative information to obtain a payment.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have continually called and sent letters to have an open account with XXXX XXXX XXXX XXXX removed from my Equifax credit. It is being reported to my Equifax credit that I still have an open Account with XXXX XXXX XXXX XXXX owing approximately XXXX on a car loan. This Loan was discharged in my bankruptcy filed nearly 10 years ago when the bankruptcy court allowed for repossession, and the auto to be sold. despite my complaints to them To date, there has been no action by XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2021, I mailed a letter to XXXX in regard to an inaccurate collection account, company is CREDIT COLLECTION SERVICE XXXX. {$330.00}. This account was found to be inaccurate and removed. now the company has relisted the account without any form of mailed communication. They did not provide me with debt validation of a copy of the ORIGINAL CONTRACT WITH MY SIGNATURE FOR THE DEBT. They did not provide me with the FULL PAYMENT HISTORY FROM THE ORIGINAL CREDITOR. They did not provide me with the ADDRESS of the ORIGINAL CREDITOR. The collection company did NOT SHOW PROOF THAT THEY OWN or HAVE BEEN ASSIGNED THE DEBT TO COLLECT.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-28
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: Exeter Finance, LLC. (TX)

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

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

15 USC 1666B : A creditor may not treat payment on a credit card account un open end consumer credit plan As late for any purposes.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

My husband and I have held a mortgage through US Bank on our primary residence since XXXX. We have always received paper monthly statements from US Bank. In XX/XX/XXXX, we refinance our mortgage through US Bank. Subsequent to the re-financing, we began to receive email notifications of our monthly statement, instead of a paper statement. I reached out to the person at US Bank who had organized our re-financing and he said that he would submit a request to switch to paper statement. Nothing changed. I called customer service to request a switch to a paper statement. This time, the email statements were turned off and no paper statements were sent. As such, since XX/XX/XXXX, we have received NO monthly statement whatsoever. I have made two additional phone calls to customer service and we are still not receiving any form of a monthly statement. It is super frustrating - but also makes me angry as if I miss a payment I'm sure they will be happy to assess us a fee.
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (TN)

I have reached the end of my loan with Santander consumer usa and they say I still owe more than XXXX. And they never applied XXXX XXXX to the principal payment that I know of on at least 26 months of paymens probably more because I have been locked out of the account. I thought I would qualify for the Mutli state settlement with Santander and the 34 states but Santander tells me I am not. I need some help
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (AK)

This company is threatening me to treat me as a nuisance. 

I tried communication and they are just ignoring everything that I am requesting. 

it is REASONABLE to request exactly WHAT I am being charged for. 

Look - you put money collections WITHOUT letting me know that I had balance due. 

And when I request exactly what the charges are- YOU REFUSE to tell me. 

How does this make sense? 

I request records showing and proving exactly what I did to incur damage and prove that I am responsible. The burden of proof is on YOU.
Consumer complaint received 2021-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (MI)

On XXXX XXXX a statement of an alleged debt in the amount of {$130.00} was mailed out to me. Allied business services is in violation of 15 usc 1692b ( 2 ).

I've sent out an Affidavit of Truth, Invoice, Debt Validation Letter, Cease and Desist, and Exhibits.
Consumer complaint received 2020-11-23
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. (MD)

When i checked my credit as i often do, i saw that XXXX XXXX placed a {$10000.00} and {$1300.00} collection on all XXXX of my credit reports which is false and untrue. When i contacted XXXX XXXX demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly XXXX XXXX has not validated any contract that i consented or agreed to with their company. XXXX XXXX has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

The nature of this complaint is towards ( i ) False Claims and False Credit Reports filed. ( Professional Negligence and Damages done to plaintiff 's personal credit ) USAA CREDIT CARD falsely reported negative items on all 3 of my credit reports. ( Total Fraud ) Slander I now can not get a home loan or car loan or credit due to USAA FALSE CLAIMS of delinquent credit in my name. ( I am a XXXX retired XXXX  XXXX on a fixed income NOW LOSING MY HOME DUE TO POOR CREDIT ) XXXX of 2020 my credit was stolen and used in CA and NV without my consent or knowledge. I reported it stolen to USAA and they stated to me they would do an investigation and remove the fraud charges from my credit card. I filed a police report with XXXX XXXX XXXX and the FBI. USAA never informed me BUY MAIL OR EMAIL THEY ARE DENIED MY FRAUD CLAIM AND PUT MY ACCOUNT AS DELINQUENT ACCOUNT AND RUINED MY CREDIT. USAA NEVER DID AN INVESTIGATION OR LOOKED AT THE ATM CAMERAS. I am a XXXX XXXX  XXXX with perfect credit all my life. I have sent request by mail proving I was not in the state when the fraud occurred on my credit card or am I the person on the ATM VIDEOS COMMITING THE CRIMES. 
( I am suing USAA AND HAVE A COURT DATE ON XXXX XXXX in XXXX XXXX NV XXXX I will prove in court all my evidence of my innocence in front of a judge and to let the entire world know what USAA has done to me.
Consumer complaint received 2020-11-23
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. (VA)

I opened a complaint about inaccurate information on my credit report ( s ) about bankruptcy that XXXX was reporting. After filing a complaint about XXXX I received a letter from XXXX via email explaining they had made and mistake and that they removed it from my XXXX file. I have filed a letter and requested validation with each of the 3 credit bureaus and ALL responded back stating they in fact verified the records with XXXX. This should be impossible with this letter AND for the fact that my address is FAR from correct on the XXXX Account. Each of the Credit Bureaus responded back with letters stating that they VERIFIED with XXXX, I have received them via US mail. 

I have included a copy of the Orginal letter as well as my hi-lighted proof from said letter from XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
e.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is 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, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

XXXX XXXX XXXX XXXX submitted my information to XXXX XXXX XXXX for not paying for homeowners insurance coverage. XXXX never insured my home for the duration that I have owned it. XXXX  alleged they covered the home from XX/XX/XXXX to XX/XX/XXXX. I was not the homeowner. I purchased the home onXX/XX/XXXX I provided XXXX XXXX XXXX with documents showing I closed on my home XX/XX/XXXX. XXXX XXXX  is committing fraud. I can not legally insure a home that is owned by someone else. XXXX is requesting that I prove I did not live there during the month they are claiming they insured it. Home owner 's insurance can only be secured by the owner. My credit score has dropped because they falsely reported me to the credit bureau. I contacted XXXX for a quote with the anticipation of closing on XX/XX/XXXX. We did not close until XX/XX/XXXX, at which I went with another insurance company. I could not file a claim with XXXX XXXX on a house owned by someone else. If the house would have burned down, I would not have been able to file a claim.
Consumer complaint received 2018-03-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

A Dentist made an appliance for my XXXX XXXX. He put it in my mouth and I said no this is horrible, I don't want it and gave it back to him. He contracted a debt collection company and they have put the collection on my credit bureau reports, trying to make me pay the fraudulent bill of {$2500.00} The Collection company is I C System Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX Phone : XXXX
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I have received a letter notice that I have opened a Macys American Express credit card but I never did. This is identity theft and Im worried about my credit score will drop it in this matter. Please help to fix
Consumer complaint received 2020-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center (NY)

I graduated from college in the year of XXXX. My student loan servicer contacted me three months after graduating so I can start making minimum payments. I saw several ads throughout social media about a student loan forgiveness program called premier student loan. I called premier in XX/XX/XXXX and they inform me that I have to pay XXXX for six months in order for me to qualify for the student loan forgiveness program. I paid over XXXX in XXXX. In the XXXX, my payments was reduced to {$20.00} a month. I called premier in XXXX of XXXX to provide my tax return information so I can be reinstated and I got a message saying the premier was a fraudulent company. I would like to Be refunded for the money that I lost.
Consumer complaint received 2018-03-03
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. (TN)

XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-03
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. (NY)

This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and experian and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

Thank you.
Consumer complaint received 2023-06-12
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)

This complaint is in reference to Fraudulent information contain in my credit file. I have reached out to the credit reporting agencies via phone and mailing address. I was told the FTC report I filed did not contain account numbers for each item listed. This is my second attempt to have XXXX clear up this matter. Every time I contact the credit reporting agencies via phone they pull up a file that does not relate to me. I have to be transferred to special handling department. Please I need help with getting this matter resolved. I understand filing a FTC report will block, delete, remove etc the items I have listed.
Consumer complaint received 2021-12-08
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: MECHANICS BANK (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Mechanic Bank Auto to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021