davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Paid Vendors of all the credit bureau Agency 's have reported negative information without proper verification. I have disputed accounts listed and requested to have the verification/affidavit of the person who has verified as accurate and I have been denied the information.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my Credit report.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

I was given a provisional credit for a dispute. They approved l ( I won ) the dispute but took back my provisional credit claiming the merchant provided a refund. The merchant did provide a refund yes, but it was recharged. Basically what I think happened was that the original payment didn't go through and was refunded and then charged again and did go through. They said that since they save this refund that they took back the credit. Now not only did I have to pay twice for a transaction I didn't even make in the place but I also was overdrafted.
Consumer complaint received 2017-02-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NJ)

I received notifications from Pressler and Pressler on various lawsuits. 
First, they have been sending notices to an address that I do not live at anymore and do not have any access to. My mail has been forwarded and changed with DMV, so I find it odd that they can not use my correct address, but mail something to an old, temporary address instead. I only happened to find out about it because I ran into my old landlord. 

Second, they have been contacting people that I am only distantly contacted to. First there was my boyfriends ex-wife who was more than happy to tell everyone how " some lawyer contacted her and said that XXXX is going to jail if she does n't respond ''. Then they contacted my dead fathers wife ( who I have NO contact with ) and told them the same thing. Her daughter was more than happy to get on XXXX and spread this as well. 

All this is bad enough, but I recognize none of these debts. I have not had a credit card in many years ( far longer than NJ law allows debt collection for ). And I also do not know how they arrived at the last name XXXX or the middle initial " XXXX '' that they keep attaching to my name. My name is XXXX XXXX, no middle initial and no other last name. 

A few years back, I had my wages attached by an unknown law firm ( I am assuming this was them ) with no notice so I am assuming that they sent letters to an old address again. I did not have the job long after and did not have any money for a lawyer to fight it and, mistakenly, I let it slide. 

I requested that they validate these so-called debts with me and also verify these other names they keep attaching to mine. I have not had a response yet. 

I am not sure I chose the right category above because there are so many problems. 



Thank you.
Consumer complaint received 2022-02-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (PA)

During the Pandemic I was placed on the forbearence program due to my financial status. The forbearance was set to expire in XX/XX/XXXX. In XX/XX/XXXX Mr. Cooper which is the mortgage company has reported my account to all XXXX credit bureaus as DELINQUENT when in fact I was not being late and still was in the forbearance program. As a result of that my credit score has been reduced to XXXX points causing me to lose on the property I was about to put an offer on. Mr. Cooper 's action for reporting my account to the credit bureau has impacted me hardly and financially in so many ways. I have tried to speak to a customer service and a manager to see if i could have the issued escalated to resolve this matter and have my account updated however i was not being successful. I am requesting to have the account removed from all the XXXX credit Bureaus ASAP and be compensated for my losses as this is very unfair and unjust to me.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I sent a letter to Experian disputing 8 accounts as erroneous on my credit report XXXX XX/XX/2021 ) and mailed the letter certified, return receipt requested. I received notice in the mail that the letter was received on XXXX XX/XX/2021 ). By XXXX XX/XX/2021 ) I did not receive any results from any investigation. On XX/XX/2021, I mailed out another letter certified, return receipt requested, Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per deleted item that letter was received by Experian on XX/XX/2021.
Consumer complaint received 2017-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX 2017 - contacted Kohls/CapOne @ listed #  XXXX  - advised representative that this was not an application I processed. Explained history of my reported identity theft in past and of my current fraud alert notification set on all  XXXX  credit bureaus. Representative confirmed they have no info with my SS # or Name/DOB on file for applications recently processed. They advised me to contact this service for removal of inquiry.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XX/XX/XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XX/XX/XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XX/XX/XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert XX/XX/XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transition is reporting a balance due to XXXX of {$4200.00} while no balance is due. I spoke with XXXX on XXXX/XXXX/16 and was told that they have reported to all credit agencies that no balance is due and recommended I file a complaint against Transunion as it is their error. Both XXXX are reporting no balance due.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I 've never opened an account with XXXX XXXX I 've never signed up to revive there services I was never shown prof of this being a valid account I never recived any goods or services for the above account nor did I sign up or give my authorization for the account
Consumer complaint received 2016-04-15
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Residential Credit Solutions, Inc. (IN)

TOOK OUT MORTGAGE WITH XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO XXXX, RESIDENTIAL CREDIT SOL. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (TX)

I have been a loyal member of the US Bank XXXX XXXX XXXX Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr. I would not be able to utilize the new benefit and am seeking compensation for this drastic change in the form of annual fee refund ( that I just paid ) as well as XXXX XXXX XXXX points credit that I would now need instead of using the bonus award night feature for XXXX of my trip planned this year.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Thrive National Corporation (MS)

I did join the gym. I took out a membership. I stopped going to the gym due to a racist employee working. I pay my bill just as any one else would. I agreed to pay the cancel fee and all. But the manager never would call me or face me face to face. The only person I ever seen was the rude employee. I left # serval times and called no one ever called me back. Now I call to this day and I 'm informed they ca n't take this off my credit and they apologize bc they are the new owners and that was XXXX their time.I ca n't help the manger never called. They was n't ever in the building and I 'm not going any place that I do n't feel welcomed.I paid my bill and always went. I just wanted to be treated with respect which I did n't get. This should n't have ever got reported to my credit. I agreed to pay cancel fee the manger needs to man up and call me or talk face to face. I 'm not the only XXXX in this situation. And it 's sad a manager ca n't call a member personal and talk on XXXX and solve the issue. No wonder why they had to find new Owner 's. Now the new ownersowners claim its nothing to do with them it was XXXX their time to take it up with collectors that they would agree to take it off my credit but they did n't know how to go about doing it. Do I need to get a attorney to help me get this removed??????
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (MN)

US Bank ignored my XXXX XXXX letter. 
I have a {$1300.00} charge off from US Bank, and they wo n't explain why. I have disputed with the Credit reporting agency 's, and it comes back as verified. I then sent US Bank a Direct Dispute request under the FCRA 623 and they completely ignored it. US Bank received my Direct Dispute letter XXXX XXXX, 2015 at XXXX.
Consumer complaint received 2022-09-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Consumer complaint received 2019-02-25
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. (FL)

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to XXXX XXXX XXXX. I am also XXXX and was wrongfully terminated in XX/XX/XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of XXXX in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. XXXX XXXX informed me that in order for the Cease and Desist to be honored, they would have to be subpoenaed. This is contrary to the laws in Florida. She also send me an official document to complete that indicated I did not originate the loan. I never said I didn't originate the loan and refused to complete the documentation. Instead of providing these accommodations, XXXX XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded that my charges were based on " unspecified laws ''. I have been contacted by XXXX XXXX XXXX at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. XXXX XXXX XXXX has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am critically ill and may not live for another year.
Consumer complaint received 2017-02-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc. (CA)

Greetings! 

I applied for a small business loan with Prosper XXXX for {$15000.00} which was approved in XX/XX/2015 with a simple interest rate of 12.59 % per annum for 5 years [ as mentioned in the promissory note ] but my bank account was funded for only {$14000.00} and the APR on the lending statement is showing as 14.89 %. 

To compound my worst fears the interest that I have paid as of the date of this online complaint is {$1600.00} excluding the loan processing fee of over {$700.00} deducted from my checking account in XX/XX/2015 

My several several phone calls to prosper customer service resulted in their staff giving me extremely rude and reckless answers like : " I dont know '' " I dont have that info '' " Are you a religious worker '' " We made most money from your first month 's payments '' " The interest is charged on a daily basis and the APR computed changes every day '' " The interest and fees change from day to day '' When I did the Math from my side the interest and fees paid to Prosper XXXX is way higher than the fixed monthly payments and the fixed interest rate that was assured to me via phone calls during the application process!!! 

I urge the CFPB to investigate this fraudulent loan and all the Prosper XXXX employees involved in this transaction. 

Many Thanks for your time and
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (GA)

my mother moved in XXXX homes in XX/XX/XXXX or XX/XX/XXXX, she is a XXXX patient an at the time could n't stay alone so i moved with her pregnant and could n't work at the time i was told being over the age of XXXX i had to sign the lease as well, later in the months my mother told me to leave her home, after wards she moved out months later, me not knowing she owes anything, now i am trying to get an apartment but national credit is saying i owe as well as my mom XXXX dollars she is living on XXXX and cant afford the debit but its stopping me from getting an apartment because they keep denying my disputes and continuously applying it to my credit report i do n't know what to do about this i contacted the XXXX housing authority but they said they apartments were demolished years ago an they do n't keep those files any more its not them looking for those payments but the collection agency is please help
Consumer complaint received 2024-02-19
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)

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.

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 inaccurate.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

I already reported this to the CFPB before. The Case number was XXXX. At that time my problem fixed ( my error collection information has been removed from XXXX ). 

By the way, today ( XXXX/XXXX/2016 ), I 've got same error report from XXXX. I really do n't know why XXXX XXXX company never change error information related with me. 

I 'm not even XXXX XXXX XXXX Customer and also do n't have any Debt record!! 

Please, help me! According to my memory, this is total 4th times Error Report from XXXX XXXX XXXX. 

Please, Could you fix my problem?, This is very annoying me every year, and I do n't want to lose my good credit grade. 

Thank you so much!!
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

XXXX has filed XXXX separate times with XXXX separate collection agencies, each time I 've disputed the acct, its been deleted off XXXX, equifax & XXXX XXXX, now they 've reported me again ( or I assume sold my acct ) with a different XXXX again called enhance recovery company, I 've continuesly disputed because this does not belong to me, I ca n't even dispute it with equifax because for some reason I 'm locked out of my report & I 've disputed it at least twice with experian but they just leave it there, funny thing is about experian a couple disputes of mine only took them one day to come back with their decision, I ca n't believe it took them one day, anyway I 'm so tired of fighting them, no matter how hard I try, my score has gotten so low, like XXXX & XXXX, from XXXX & XXXX, not the greatest but every time my acct is sold and placed again, it keeps XXXX it, help ... 
Ty, XXXX