davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

Cedars Business Services has been harassing me in regards to an invalid and incorrect debt and debt amount. They have been informed in writing in regards to their error, but they are not listening. I have informed them to stop contacting me but they have repeatedly continued. They have put completely false and fraudulent information on my credit report in regards to this incorrect debt. In addition, they have put a false note on my credit report indicating that I have " opened a tradeline with them ''. I have never opened any account or line with this company. This firm is illegally putting fraudulent and incorrect information on my credit report in this manner. I am asking the assistance of the CFPB to investigate this firm, it appears they have exhibited this behavior to many people according to the complaints I see. As a XXXX veteran, I am shocked at the manner in which this company is harassing me.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (TX)

ARS National Services is attempting to collect a debt that I do not owe. I never authorized an account with XXXX XXXX XXXX. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlement payment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA.
Consumer complaint received 2022-06-09
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. (NY)

When I went to the car dealership, they said I'll only have one hard inquiry but I ended up having many hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MD)

I have a loan with SYNCB/WALMAR, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/WALMAR, XXXX/XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-07-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022 CFPB complaint # XXXX, XXXX and certified mail was sent to Transuion disputing the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2, XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX, Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date, XXXX XXXX, XXXX XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XXXX XXXX, 2022. 
TRANSUNION failed to respond and investigate said accounts within the 30 day time period. I demand for the said accounts to be remove immediately
Consumer complaint received 2019-09-01
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: GREAT LAKES (IL)

On XX/XX/2019, Great Lakes Servicing applied {$17000.00} in XXXX Loan Forgiveness to my student loan balance bringing the balance down to {$26000.00}, as shown in the documents I have attached. Great Lakes notified me by email and regular mail that my account was now in re-payment with the first payment of {$82.00} being due on XX/XX/2019 ( see attached ). They have not updated my credit report to reflect the Forgiveness payments, nor have they removed the " deferred '' remark either. I disputed this with XXXX. ( See attached ). XXXX completed its investigation on XX/XX/2019 and states that Great Lakes verifies the information I have disputed ( balance of {$43000.00} and payment status " deferred '' ) to be correct when the documentation I have from Great Lakes and live online access to my Great Lakes account shows it is not correct. This is hurting my creditworthiness and ability to secure a decent interest rate on a car loan. My car is 18 years old with XXXX miles on it! I need reliable transportation to get to work!
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

I refinanced my house in XX/XX/XXXX and XXXX XXXX XXXX has been the loan servicer. I do not have any issues with XXXX XXXXXXXX XXXX. When I came back from a 1 week vacation on XX/XX/XXXX I had a letter from XXXX XXXX stating that my Loan Servicing is being transferred to Flagstar Bank. The letter has a notice date of XX/XX/XXXX. The letter states that as of XX/XX/XXXX I should send all payments to the Flagstar Bank. My payment is due on XX/XX/XXXX. It is XX/XX/XXXX and there are only 3 more business days until my next payment is due. I have not heard anything from Flagstar. I proactively went to their website and tried to register to set up payments but I am not in their system and was unable to create a login. I find this unacceptable. I do not think it is reasonable for me to have to get a payment to a new servicer in less than a week nor is it acceptable to be left in the lurch about what is happening. The following is the contact information that XXXX XXXX provided for Flagstar Bank. 

Flagstar Bank Customer Service Department XXXX XXXX XXXX XXXX, Mi XXXX
Consumer complaint received 2022-06-09
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. (NY)

When I went to the car dealership, they said I'll only have one hard inquiry but I ended up having many hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-07
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: U.S. BANCORP (MO)

I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX   credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2022-08-02
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 discovered that some of the information on my credit report were unknown to me when I reviewed it. I sent a letter to Credit Bureaus on XX/XX/2022 to remove XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX  XXXX Balance - ; XXXX XXXX Balance - ; XXXX  XXXX XXXX XXXX FL XXXX Balance - ; XXXX XXXX Balance {$2100.00} ; XXXX XXXX Balance {$0.00} that were UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the reciept .Ive already included this in my previous Complaint # XXXX XXXX, XXXX & I am including it again.,
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (MD)

I have a loan with XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

We can not operate like that. 
How is it possible that {$30000.00} simply disappear after being transferred, with absolutely no follow-up from XXXX XXXX ( former TransferWise ). 

The status for the transfer in XXXX XXXXXXXX website says : ransfer successfully sent Keep in mind It can take up to 2 working days for your bank to credit the account. 

It has been over 4 days, and nobody has reached out to me ( in case they need any verification ). 

How is it possible that {$30000.00} just disappeared like that. 
Do I really have to chase my own money because the involved banks and partners are not doing their job? 

I understand if there are additional checks and I will provide anything that is necessary. What I don't understand and don't agree is that nobody reaches out to me. They just keep my money somewhere ( possibly earning interest to them? ) waiting for me to take an action that I don't know what would be. 

I don't have anybody other than XXXX to contact. However, XXXX website shows it as fully completed. 

It is a service that is completed, but not just not delivered, but I'm not even aware where my {$30000.00} went to. 

This is just absurd, and poor job from regulators ( unfortunately I'm not surprised - it's money first, service second ). 

I would like to request an audit of all services provided by XXXX.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (DE)

Experian is the only bureau not reporting accurate information on my credit report. Thru will not keep their agreement of taking the fraudulent debt XXXX XXXX off of my credit report even after they told me to get a police report and identity theft report.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

MY name is XXXX XXXX, key bank denying me of my civil rights. releasing my own personal informaton. then to be discriminated against by the branch manager XXXX XXXX, and refuse me again my personal account info when asked why she said that there where fraud charges against me and block on account, she was already aware, that I XXXX XXXX put the claim into the fraud department, and put the block on account because XXXX XXXX had me go to the branch sign a form on XX/XX/2020at XXXX XXXX branch XXXX releasing my account to the fraud department, because that account has a XXXX balance she asumed and made me feel like i was some broke poor XXXX but she failed acknowledge to see i have 4 other accounts with substantial funds. XXXX XXXX said go to fruad, fraud defferd to XXXX XXXX and branch ... .which still led to me being deprived of accessing my account ... I made further complaints to XXXX from keybanks executive office on XX/XX/2020.. I have numerous internal investigations againt keybank being  done by themselves, upon doing so they were then forced to give me my own personal bank info, on XX/XX/2020 at the end of the transaction my wife and I were then notified as were leaving by the LEAD TELLER XXXX XXXX ... that all of out accounts will be closed by XX/XX/2020 ... what powere and authorization does a lead teller have? when we said the other account we have issues with have nothing to do with our personal accounts how could they do that..she in return said were you open your account you sign it in your contract, so she is basically telling me that i have 1 business day to find a new bank to put our life savings in ... when they keep telling us that ... we are valued customers and there sorry that where being treated like this andthey will get to the bottom of this, but in the meantime there putting us through more and more ... the lead bank teller XXXX said by tuesday if we dont take our money out of our accounts then they will be closed no matter what and they will mail us checks out for our money ... then we go to police station to file police report with officer he then gives us a report ... .that barred and forbid to enter or call any KeyBank National Association properties ... so once again they are holding us from our civil rights ... and withholding our hard earned money and life saving. i should be mourning my mother and now i have to fight for whats rightfully right.. and still we have no rights ... ... .. 
Number 2 ... .... 
THEY NEED TO BE ADBDICATED ... BECAUSE THAT BRANCH IS COMPROMISED BECAUSE THAT BRANCH IS SYSTEMICALLY INCLINED TO OPPRESS XXXX XXXX PEOPLE FROM A DEMOGRAPHIC STANDPOINT THAT WE ARE PEONS IN OUR OWN COMMUNITY, SO THERE MENTALITY IS CONDECENDING, ANDWHEN YOUR IN A POSITION OF CLOUT YOU HAVE OPPORTUNITIES TO BE OPPRORTUNISTIC ... ..AND THAT XXXX AND IT STARTS FROM THE TOP
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

I was enrolled in a Targeted Citi Offer to open a new Citi Tiered Bonus Checking Offer. 
There was a bonus incentive tied to meeting the requirements, which resulted in a {$500.00} bonus. 
I completed all requirements, but the bank only paid out a {$400.00} bonus. Efforts to resolve this with the bank have been unsuccessful. 
( Terms Attached )
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-08-02
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. (VA)

Dear Rep, The credit reporting agencies Experian, XXXX, and XXXX are reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. They are : 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 XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report. 

Thank you.
Consumer complaint received 2022-08-02
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. (VA)

Dear Rep, The credit reporting agencies XXXX, TransUnion, and XXXX are reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. They are : 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  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report. 

Thank you.
Consumer complaint received 2022-08-02
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. (TX)

I have been sending multiple dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items completely from my Credit file since these items resulted due to identity theft. the last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my Personal Information as well as the ID THEFT REPORT I received from the FTC. I have read enough to understand my rights and it is clear that by continuing the reporting of the disputed Items on my Credit report, the Credit Bureaus have violated this rights. I need the following items removed completely from my Credit report : XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$180.00}
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: AFNI INC. (LA)

I have a loan with AFNI ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AFNI ( Original Creditor : XXXXXXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-11-22
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (PA)

I have been sending you a letters regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and its your obligation to fix all these errors.
Consumer complaint received 2022-08-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX FL XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Original Creditor : 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