davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I have sent multiple certified letters in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX to Experian asking them to verify collection accounts on my credit report ( from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX by providing the Original contract or agreements with my signature on it and the name of the person they interviewed to verify accuracy of this debit. 
I suspect fraudulent activity and have not been provided with original legal documentation to verify these accounts are accurate.
Consumer complaint received 2021-01-20
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. (MI)

Checking my report and I noticed some inquires on my report that Im not aware of. I never called in about anything neither gave someone my consent so as you know anything reporting inaccurate on my report should be removed as the FCRA states ... please take my situation seriously Im trying my best to become better financially I have to take care of my family. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX 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 2021-01-20
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. (MA)

****SEE ATTACHMENTS THAT SHOWS THAT IT WAS GOING TO BE DELETED REMOVED FROM MY CREDIT REPORT**** Dear Equifax / Executive Office ; I was really shocked last week when I refreshed my credit report and noticed that the collection account from XXXX XXXX is still on my Credit Report which is hindering my score so much and stopping me to achieve my financial goals You are the ONLY one thats reporting this negative account on my credit, despite the fact that the results of investigation through Cfpb stated that they will cease and remove this account. Well, the other credit reporting agency complied and deleted from my credit immediately, however you havent removed it. I talked to a representative at your office last week, and they mentioned that I can FAX over the letter and results from Cfpb and they will remove it. 

Plus, how can you report incomplete, misleading information on my credit report. Its impossible that a collection account can be late and past due. Look at the picture below late 120 days, past due for {$800.00}, etc. This is a violation of my consumer rights under the provisions of FCRA, and Im demanding an immediate deletion from my credit report. DELETE!
Consumer complaint received 2022-07-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

Obtained a mortgage modification signed by us and mortgage holder our payments were put in a suspense account and was not applied to mortgage now stating Im behind now facing losing my home again these people should not be servicing mortgages they update there systems to reflect payments Selene finance LP now they have court date XXXXXXXX XXXX Supreme Court XXXXXXXX XXXX to try to take our home we have no place to go.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I just received notice that Citi Costco card decreased my credit limit, reason being that my other balances on cards are to high and also indicated I had a late in 12 months. This is not accurate, I have not a a late with any cards in the last 12 months, I always pay my bills and have been working on paying down my credit cards. I am not a liability as I always have made payments to my accounts and even larger lumps sums at times. Times have been harder and therefore credit cards have been used, but I should not be penalized for that as I continue to always make payments. I request my credit limit be increased back to the original limit amount. Decreasing my credit limit is only going to hurt me further and this is contradicting as Citibank/Costco is decreasing my available credit to my balance which will again make my debit ratio percentage high. Please reconsider reversing this decision as I have been a loyal Citibank customer and this is not right.
Consumer complaint received 2021-01-20
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. (IL)

In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX  Data Breach Settlement given to me by XXXX  credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Consumer complaint received 2020-06-30
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. (TX)

On XX/XX/XXXX I contacted XXXX XXXX XXXX, regarding two for 2 unauthorized inquiries from XXXX XXXX from two different dates : XX/XX/XXXX, and XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX sent a letter to me, and accepted the two inquiries as fraudulent. XXXX XXXX XXXX mentioned that they instructed the reporting agencies to delete them from my credit report not to affect my credit worthiness with lenders. 

As up to date, Experian has not deleted the inquiry from XX/XX/XXXX, and neglects to delete it.
Consumer complaint received 2021-01-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This complaint involves the amount of {$44000.00} which was for a subordinate/second mortgage on my home. This mortgage was taken out 15 years ago ( XX/XX/XXXX ) at which time the original amount was {$52000.00}. The above mentioned ( {$44000.00} ) balloon payment matured on XX/XX/XXXX. Back in XXXX of XXXX we started negotiating with SPS ( Select Portfolio Servicing ) XXXX XXXX  XXXX XXXX XXXX XXXX, Utah, XXXX to have this loan refinanced due to COVID and other situations we could not afford the balloon payment. Our goal was to renegotiate with the lender for an extension on this loan so we would be able to stay in our home. After several interactions and production of documents requested such as, tax returns and proof of income we were under the impression that we would be getting a modification. We were also told to withhold our XX/XX/XXXX payment until we receive the new mortgage. But to our amazement on XX/XX/XXXX we received a disturbing letter suggesting that we should sell our home in order to satisfy this debt and we were given a short sale deadline of XX/XX/XXXX which was even more shocking since it only allows us 11 days to make a lifetime decision. 

I am the major breadwinner in my home and I sent proof that our total family income is approximately {$12000.00} per month. I work as a XXXX XXXX and have a young son in college whom Im supporting. I would think that due to the hardship that we are all under due to COVID-19 that this lender would understand my situation and would work with me to resolve this issue instead of trying to push me into selling my home which is the most harsh situation Ive ever expected. Please note that over the last 15 years Ive paid this mortgage twice over which I understand is business but now a new person has bought the mortgage and it seems they are just trying to make money. As of now, the servicer would not tell us who the lender is and I was never given an explanation as to why we were denied a modification. Please look into this situation and let us know what the end result is.
Consumer complaint received 2020-06-30
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. (GA)

Late XXXX, I was offered a full student loan discharge due to my XXXX XXXX, XXXX U.S. Military Veteran Status. All of my student loans were discharged or forgiven ; XXXX and XXXX  are accurately reporting this data, but Transunion still shows these accounts as active. 

Today, XXXX, I attempted to file a dispute online with Transunion, however, the dispute feature is not available and there is no method of contact reported on Transunion 's website.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (PA)

TrueAccord contacted me via email stating I owed on a credit debt of {$2600.00} from an account in XX/XX/2007. XXXX XXXX  was apparently the original creditor. I do not have this account on my credit history. I am not familiar with this account at all. 
I tried to dispute the account via TrueAccord website and I was forwarded to XXXX XXXX XXXX.
Consumer complaint received 2023-03-21
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: DISCOVER BANK (LA)

To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for.

I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report.

I have no idea whoever applied to any service under my name. I never shared my information with anybody either.

Is it possible to grab the contract that they claimed I applied for? Because I never did that.

Your help will be highly appreciated. 

XXXX XXXX
Consumer complaint received 2020-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I requested free annual credit reports from XXXX, XXXX  and Equifax. Before releasing a report, each bureau posed identifying questions that I successfully answered. Equifax, however, asked a question " which of these cities is associated with ... person X. Person X is unrelated, unknown to me, and therefore not a party to any credit account I've obtained. The N/A ( not applicable ) option was missing. I selected an answer that I presume was correct since I was able to move on to the final identifying question. 

I filed a dispute online with XXXX  and called Equifax on XX/XX/2020. Equifax referred my back to to XXXX, denying any connection between Equifax and the questions posed at the site. I've since received a letter from XXXX instructing me to contact the bureau ( s )  directly. 

I called Equifax XX/XX/2020 and spoke with a representative who provided ID # XXXX. I was told providing wrong information to " trick '' consumers was part of the Equifax identity verification process. I stated that I understand providing questions about me, that if answered incorrectly, would call my identity into question. I questioned why information pertaining to another would be used to trick me in the pursuit of proving my identity, and he merely stated, " that's a good question ''. The conversation was difficult and my request for a supervisor was denied. I was told my complaint citing the convoluted identifying questions asked by " XXXX '' would be forwarded, but I should not expect to receive a response to my inquiries. 

The point of the call was to seek a process that would ensure the other person 's Equifax history is not otherwise connected to mine and it appears from this call, Equifax may not have a process.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

Citibank Citibank closed my checking account and hold money for 30 to 60 days. I dont even know if i would get my money back or not. In the middle of covid 19 and we are scraping by. Horrible bank. Horrible customer service. People are rude. Local bank are rude. I really need help.
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX XXXX XXXX XXXX  accessed my credit file with Transunion without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got,  and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/XXXX & XXXX, I called USAA about fraudulent activity on my account. I was trying to get a loan and had to provide certain information so that the company could verify my direct deposit. I have done this before on two other loans that I am currently paying on. With that said, the company was fraud, and they posted a apple check on my account and XXXX  themselves money. I have the emails and the fake application and loan information from the company. With that said, I immediate called USAA. They locked my account and proceeded to tell me that they were closing my account. I was fine with that however I am a XXXX XXXX XXXX XXXX  veteran and my only source of income in the amount of {$3200.00} was being set to that checking account on midnight XXXX XX/XX/2021 from the Department of Veteran Affairs. USAA told me that they would keep the money indefinitely and that i could not access the funds. They also stated that it will take 90 days for then to decide if I would receive the funds. In short, this is theft of assets by a bank without cause. The hardship this has caused me is irreversible. I have had to not pay my rent, car insurance, and other debts. My car insurance is through USAA and now that is being terminated. The bank insists they are a bank for service members and veterans. I have filed a civil lawsuit against USAA. The Department of Veteran Affairs has also filed a tracer claim against USAA. I have written my state representatives offices and the FBI. I have filed numerous complains against this Bank. Banks in the united states, can not just steal and hold money and the only source of income of an individual. They are not paying interest on this money and I do not have access to it. Please help. USAA have been doing this to veterans and service members for years. Please investigate their practices. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Checking account # : XXXX Attached is the company or fake company that caused this mess.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services (CA)

On XX/XX/2018 my bill for account MERCEDES-BENZ FINANC did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I applied to BANK OF AMERICA and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by BANK OF AMERICA. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.
Consumer complaint received 2021-11-11
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (IN)

I received a call and voicemail from XXXX ( a XXXX  number ) and the voicemail stated someone else 's name and said their debt collection client was demanding a decision for repayment. I am not the named person in the voicemail.