davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
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. (MD)

TransUnion failed to provide documents as requested to verify the accounts being reported. They did not send me any documentation bearing my signature or documentation on how they verified the accounts, or who they verified the accounts with and again DID NOT PROVIDE ME WITH ANY DOCUMENTS confirming the validity of the accounts.
Consumer complaint received 2020-07-21
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. (NJ)

I have a loan with XXXX XXXX. I went into forbearance due to COVID. I then entered into a loan modification where I added the three missed payments to the end of the loan term. I signed a Note and new Mortgage and returned the docs to XXXX XXXX They nevertheless reported me 90 days past due on the mortgage. I got a different story every time I called and was assured repeatedly the issue had been corrected. I have nothing showing on my account that a modification was granted and the false credit report remains outstanding.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from XXXX. Not only was it upsetting to see that XXXX was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted XXXX to inform of the reported late payments and was advised that no payments were reported late. 



I requested a payment history review and was advised that two of my payments dated XXXX and XXXX of 2018 were paid towards late fee 's and not the payment due. XXXX has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in question along with a copy of the current credit reporting from XXXX.
Consumer complaint received 2020-07-21
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. (PA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Paypal Holdings, Inc (MA)

After checking my credit report online via XXXX XXXX and XXXX. I would to dispute my PayPal and Bill Me Later closed account. In 2011, I purchased a mini XXXX laptop for myself and an XXXX laptop for a friend. The mini laptop was paid off and the second laptop could only reach five payments. The account is noted as an Revolving account on Paypal.  The account is paid satisfactorily and I would like to have the account removed from credit history as well as an increase in my credit score for XXXX and XXXX. Also, note that the following laptops while moving were lost/ stolen.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XX/XX/2016, XX/XX/2016 and again on XX/XX/XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.
Consumer complaint received 2020-07-21
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. (FL)

I have the XX/XX/XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX,XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

Dear CFPB : This is a complaint against  Citibank for its hyper-aggressive marketing practices. Several months ago, when I applied for and was accepted for a Citibank credit card, I certainly did not expect the company would soon bombard with weekly direct mail ( not e-mail, but U.S. postal mail ) marketing offers. I want this to stop for a number of reasonsranging from junk mail cluttering my mailbox, to running the risk someone could steal my mail and open a credit card under my name, to protecting and respecting the environment. But no matter my reason, I seek the CFPBs assistance in helping me to bring Citibank to cease and desi st its out-of-control marketing practices.     See attachment for the most recent exa mple of Citibank 's ma rketing bombardment.
Consumer complaint received 2020-07-21
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. (FL)

I have asked numerous times for TransUnion to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. TransUnion has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Consumer complaint received 2017-06-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (AZ)

For the last 24 months I have inquired with American Education Services ( AES ) in regards to lowering my monthly payment, applying for temporary hardship, as well as modifying my repayment plan. Prior to 24 months, my monthly payment was {$370.00} per month. This was manageable as I am a XXXX XXXX XXXX  Over the course of the past two years my loan payment has increased to {$480.00}, {$570.00} and now is {$890.00} per month. I have requested a temporary forebarnce as I am a full time XXXX student, and have been denied. I have missed payments and have requested assitance, and have been denied. AES has sent my account to collections in which payments collected were not applied to all of my loans in which six of my loans are now in default. AES collection agencies are aggressive and intimidating. I have continued to manage paying my monthly installment even if it is past due with little success. There is no support or assistance available to debtors from AES or its associates.
Consumer complaint received 2017-09-14
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. (AR)

I would like to file and official complaint towards Equifax in lieu of the recent personal data leak.Equifax was responsible for personal identiy information due to blatant negligence to protect that information via proper security measures like encryption and etc. For a company with so much power and personal data on all of us, they sure did take it lightly.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lincoln Educational Services Corporation (TX)

Lincoln Technical Institute continues to report my payments as late although they are being paid prior to the 30 day delinquency period. They are reporting my payments for XX/XX/2020 and XX/XX/2020 as 30 days late when in fact they were not 30 days late! The payment date for both payments is the XXXX of each month however I was told by my account manager XXXX XXXX that if I pay prior to the last day of the month, no negative report will be made. I paid XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX both prior to 30 days after my due date. I called them and they advised me to dispute it. This is a disservice because they are reporting these payments as 30 days late and refusing to correct their error.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, I am writing to dispute the inaccurate and incomplete information that is currently being reported on my credit report. Despite my repeated attempts to contact you and resolve this issue, I have seen no progress in correcting the errors. 
As a consumer, I have the right to accurate and complete information on my credit report, as stated in the Fair Credit Reporting Act ( FCRA ) 602. Congressional findings and statement of purpose ( b ). Therefore, I am demanding that you immediately delete and remove the following information from my credit report : XXXX XXXX XXXX - Account # : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # : XXXX I have carefully reviewed my report and have determined that these accounts are not accurate representations of my credit history. I have made numerous attempts to contact you and provide documentation to support my claims, yet the errors remain on my report. 
I urge you to take immediate action to correct these inaccuracies and provide me with a corrected credit report. Failure to do so will only continue to hinder my ability to obtain employment and provide for my family 's needs. 
Please provide me with proof that the accounts in question are accurate and true, as required by the FCRA. If you can not provide such proof, I demand that you immediately remove and delete these accounts from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

Regards, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-03-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (KY)

Due to the covid protection I filed months ago requesting assistance/help in paying my mortgage. I filled out the appropriate paperwork with my mortgage company. I continue to contact them and all they tell me is there is no information. They state there is no way for me to check the status of my requests either. We are now months after I submitted this assistance/request and still nothing from my mortgage company. I thought there was supposed to be assistance for people struggling with income and not being able to make mortgage payments.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Control, LLC (CA)

I received a letter from Credit Control LLC of XXXX MO. The letter states that " per our conversation, you have agreed to pay $ XXXX  monthly ''. I NEVER talked with XXXX XXXX, the author of the letter, nor anybody from the company and I NEVER agreed to make payments.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I disputed a charge for hotel reservation XX/XX/XXXX. The hotel is closed and there is now way to use the reservation. On XX/XX/XXXX I received a email letter from Chase claiming that the charge was valid and I had to pay. I called to explain to them that the hotel was closed and there is now way to use it ( I told them this the 1st time also ). They informed me I had to fax or mail in a statement claiming this and they directed me to a Chase Branch that could do this for me so I did. I went to the branch on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX. I spoke with the manager and explained the situation to her, she did the fax and gave me a confirmation. I called Chase on XX/XX/XXXX @ XXXX to check on the status and now they are claiming they did not receive, I explained to them I had proof it was received and that it was a CHase branch that sent it in. XXXX who claimed to be a manager told me sorry but I would need to re fax, I asked what if you dont get it again he replied saying then you keep faxing it until we do. I feel this is unacceptable
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE (DC)

I opened a Charles Schwab checking account. Charles Schwab requires you to open an individual brokerage account alongside the checking account. I opted out of overdraft protection and margin ( i.e., there was no loan application ). I completed the application process and discovered the next day that Charles Schwab had made a hard credit inquiry on my credit history. 

Firstly, I can not find where in the application I consented to a hard credit inquiry. I called Charles Schwab and none of their reps can point me to where in the application process the account-holder consents to a credit pull. If it 's in the application, it 's hidden somewhere to be intentionally deceptive to the account-holder. 

Secondly, I asked Charles Schwab why they pulled my credit. I received conflicting information. One rep told me that it is SEC regulation for all brokerage accounts. This is not true. A second told me that it 's Charles Schwab policy to avoid doing business with consumers with many bounced checks. This does not require a hard credit inquiry to determine. Either way, nowhere in the application process is the account-holder specifically asked to consent to this credit pull. 

The reasons that this is a major concern is because : ( 1 ) it raises significant privacy concerns when a company deceptively pulls significant credit history on its clients for unknown purposes ( marketing? ), ( 2 ) it is unethical and deceptive to pull clients ' credit history without clearly and directly asking for their consent, and ( 3 ) clients concurrently applying for a mortgage or any type of loan can have their mortgage/loan delayed or disapproved because of Charles Schwab 's deceptive practice of carrying out a hard credit inquiry. 

Thank you.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX, 2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-08-23
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: Exeter Finance, LLC. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-12
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)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX