davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I had unauthorized charges on my account at Chase bank. I called claims dept and filed a claim. First they credited my account for the amount of the charges then investigated the charges and reversed the charges without providing a reason why. When i called to understand why i wasnt granted the amount that was taken from my account without consent or even my knowledge they said it was outside of the 60day window for filing claims. The first charge happened on  X/XX/17    for {$33.00}, the second charge took place on  X/XX/17    and i filed a claim on  X/XX/17   . I am not understanding how this is out of the 60day allowance time to file a claim. I am going to contact the companies who made the charges get proof that i did not conduct these transactions then file a lawsuit against chase. In the policies it states that a customer will be refunded for any charges they did not authorize and i am 100 % sure i did not authorize these charges and i can provide proof.
Consumer complaint received 2022-09-14
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. (TX)

I have contacted Experian several times about the incorrect personal information they are reporting on my consumer report and they have refused to remove it. As a Credit Reporting Agency they are supposed to be reporting accurate information only. There are several addresses, employers, and phone numbers I am not associated with.
Consumer complaint received 2019-06-05
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: Experian Information Solutions Inc. (GA)

I recently discovered unauthorized inquiries displaying on my credit file with Experian. I have been a victim of identity theft and have not applied for credit in anyway. I took the liberty of filing identity theft report in reference to unauthorized inquiries. Again, I did not apply for credit. Please assist me CFPB in resolving this matter. Enclose you will find report listing the inquiries in question. Thanks
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been a victim of Identity theft, someone has mysteriously open accounts using my identity. I have taken the liberty to file identity theft report, I was advised by Fraud department at Experian. I was told under the Fair Credit Reporting Act, the information contain in theft report would be blocked/ deleted at my request. However, after sending the report pertaining to theft, the account in question still remains on my file. I have not done business with the creditors listed in this complaint. I am asking for assisting from CFPB to help me get this matter resolve so I can move on with my life. It has been a complete nightmare dealing with this issue. I tried resolving this matter amicably with Experian. Please assist me, thank for time and attention in this matter.
Consumer complaint received 2015-10-27
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA (WI)

AES sold a single student loan debt to XXXX collection agencies. All XXXX are trying to collect the same debt and reporting late payments. They do not communicate and the originator will not work with me. I was denied credit based on negative items on my credit report.
Consumer complaint received 2017-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MI)

I have XXXX Fedloans that became delinquent and reported on my credit XXXX and XXXX days late in XX/XX/XXXX and XX/XX/2015, I was then granted a forebearance for a date before the delinquency through the date of delinquency on XX/XX/2015. When I checked my credit reports from the XXXX credit reporting agencies, I noticed that those delinquencies had not been updated per the forebearance, as stated by law, any new information must be updated by the furnisher. I first contacted Fedloan and asked them to remove the delinquencies as the granted me a forebearance for a date prior to the reported deliqencies through the date of the delinquencies, and they did not update the information, then I disputed the delinquencies All XXXX credit bureaus showing proof of the forebearance and they did not update my information or make the fedloans properly respond to my dispute and is still reporting the information that is incorrect on my credit report
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.
Consumer complaint received 2024-02-29
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. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MI)

I have made several attempts to communicate with my new service, XXXX, on the option of having my mortgage recasted. I have paid my mortgage balance down, their website states that this is an option for customers. 
I have called and they stated for me to email them at XXXX which I did on XX/XX/. I called a week later to follow up on my request and the caller stated that a supervisor would be emailing me the next day. This did not occur. I went on their website and sent a message through " contact us '' link and asked for the same thing. When I went to follow up on this request, I literally sat on hold for 35 minutes waiting for them to pick up. 
I want to know what I need to do to recast my loan. The first time I called they pressured me to try and refinance my loan and I am not interested in that. I am not sure why they are not communicating with me.
Consumer complaint received 2017-08-01
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: Receivable Recovery Services, LLC (SC)

This company license has expired and they are reporting on my credit report. In order to collect you need a license that 's not expired. I 'm requesting they remove debt from my report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

Received a collection notice from   XXXX   trying to collect a debt of  XXXX  When I contacted them to find out what the debt was for I was told it was on a Citibank Card for a purchase in  XXXX  at   XXXX   XXXX   XXXX  . I was told last payment was made  XX/XX/XXXX  Have never received any notices on this debt & have no idea about this charge. Ca n't believe they waited 12 years.   XXXX   received info from Citibank in  XXXX  & has just now sent out the notice to me. Have no documentation since I have no idea about this charge. I never received any notices to even dispute the charge.
Consumer complaint received 2020-05-31
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: EQUIFAX, INC. (FL)

My complaint is regarding XXXX XXXX and Equifax. They placed XXXX unathorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the XXXX Credit Bureaus and XXXX enforcement, please see below. Personal statement XXXX XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (CA)

I am a senior citizen and my husband passed away 9 years ago I'm being harassed With English phone calls When I answer the phone it's a recording I attempt to call back and there's no answer If the debt was mine I do believe there's a statue of limitations but I do not believe that it's mine I suffer from a little memory loss
Consumer complaint received 2020-05-31
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. (NV)

I discovered I had been a victim of identity theft a couple of years ago. I was told by the credit bureaus that I needed to file an identity theft report to be forwarded to them which I did. 

That is when I learned that they were supposed to block the items from my credit report upon receiving the requested documents. I sent this information to them more than once. The last time was in XXXX of 2020. That was according to them, per our conversation on XX/XX/2020. 

I recently went to apply for an XXXX XXXX  when I discovered the items were still there. I reached out for some legal advice on how to handle this. I was then educated about the FCRA and the XXXX. Experian refused to block the accounts when I called. 

I asked them if the federal regulations didnt apply. The lady from the fraud department told me that I didnt qualify. I asked her how I didnt qualify to be protected by federal regulations at that point, in which she said that it was company policy. She said she couldnt tell me why I didnt qualify and continued to argue that company policy supersedes federal regulations. 

I am now at risk of losing my employees during these hard times because Experian feels like they need to take the law into their own hands. Please help me to get this resolved. I didnt ask Experian to store my personal records. They choose to do this for profit, which is really disgusting to witness them handle peoples lives like this.
Consumer complaint received 2021-09-14
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. (AR)

On XX/XX/2020 XXXX ran a hard inquiry on my credit report. I called XXXX the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on XXXX 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to XXXX and the three credit bureaus ; XXXX, Equifax and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, XXXX and Equifax is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

Unable to access my membership in their site, unable to get my free credit report and unable to process disputes and accounts that are wrong conveniently. Never had a breach so no reason for this. I cant sit on a phone hours and hours to access my information.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MD)

In XX/XX/XXXX, my husband XXXX XXXX XXXX and myself decided to revise our XXXX XXXX XXXX. XXXX deposited {$25000.00}, and began the revitalization process. Unfortunately, XXXX became ill and quickly his health deteriorated. On XX/XX/XXXX, XXXX passed away. However, XXXX never had the opportunity to get my name added to the account. I contacted PNC on several occasions informing them of the death and that the company would be ceasing preparations and would remain inactive, therefore I would like to close the account. I presented the original Articles of Incorporation for the company, which was established in XX/XX/XXXX. I presented XXXX death certificate, estate filing records, account information and all bank information. I was able to get all information except deposit information from XX/XX/XXXX, when he received a major deposit from VA XXXX. I needed this formation is to verify any monies not accounted for! I spoke with the manager at XXXX XXXX, Md PNC and the office of the District Manager of the XXXX area, each promised a return call, however, I should not call them back! I never heard from either office!
Consumer complaint received 2022-09-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After carefully reviewing my credit file I am concerned with some items you are reporting. Account name : XXXX  XXXX XXXX or XXXX. Account number : XXXX. I am aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documents on this account or remove it from my credit report. Also send me a credit report reflecting these changes. Thank you for your help.
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  XXXX XXXX has violated my rights. 

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
Consumer complaint received 2018-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Have been disputing with the credit bureaus since these have reported on my credit and they still have yet to send any type of verification. The last certified mail was received over 90 days ago on XX/XX/2018. They are not associated with me and I have been fighting it since I found out it was inaccurate on my reports and its making it impossible for me to do what I need to do credit wise, I couldn't even go on my house loan so it is just my husband because its reporting negatively and they aren't my accounts. I can't continue my education and get my XXXX  now. Every time I reach out to the companies or bureaus the time frame seems to be starting over of when it will be removed. When I have reached out to the bureaus in regards to this and disputed them and nothing is getting done and it is extremely unfair. I have 10 plus phone numbers on my account and only one is  actually mine. The FCRA gives the company 30 days to respond and it has been over that time frame even from the last letter.
Consumer complaint received 2016-05-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (VA)

My student loans are currently consolidated with Fedloan Servicing. I am under an income contingent repayment plan because I qualify for the Public Service Loan Forgiveness program since I am a XXXX. I have been making my payments on time, but under the last annual re-evaluation my payment more than doubled, causing financial stress in my budget. When I called to ask why, I was told it was because my loan had previously been calculated incorrectly, since the parent plus loans included in my consolidation did not qualify for the lower payment plan. Whether this is true or not, I made the decision to use the PSLF program because I could afford the payments I was given under the consolidation plan I was told at the time to use. I did not lie to anyone, but I went on the advice I was given at the time by the loan servicer. I feel like I am being financially stressed due to a mistake that was not my fault. I may have made different decisions 5 years ago had this information been given to me at the time. Is it OK for the servicer to raise my payment by more than double because the error was not caught? I am beyond frustrated.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this 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.