davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this ( date ), which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CTMIAMI, FL XXXX XXXX. Validate Account 1 XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. Validate Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. Validate Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

XXXX. XXXX Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

8. Validate Account XXXX XXXX AF Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

9. Validate Account CHILD SUPP Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

10. Validate Account CHILD SUPP Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

12. Validate Account XXXX XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

The following accounts listed above was disputed twice and the equifax have failed to respond the first time which is a violation of the FCRA. I have attached below proof of stamped certified timing that the letters was received this time by equifax and they must complete this investigation with 30 days or they must remove these accounts they can not verify. Also attached is notarized letter, original dispute letter, and credit report.
Consumer complaint received 2022-01-04
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (CA)

I opened a new account with Navy Federal Credit Union yesterday XX/XX/22, Checking and Savings, I was asked if I wanted to allow any joint users and I said No, I was told checking and savings were both free, I made their {$5.00} required deposit to become a new member, and they helped me set up a XXXX account so my employer could transfer my payroll check for my last 30 day pay period. My employer transferred {$2200.00}, I went online and paid my rent to XXXX XXXX XXXX by echeck with the account information. I went in my account this morning and {$2000.00} is missing from my new account the transaction shows as an " adjustment '',. And I still have the outstanding check that is currently processing for my rent. Navy Federal is stating that the money taken was a credit debt for another member who I was associated on another account with. I said I did not allow any joint users on this new account. The collections department who I do not owe any money to is very rude and unprofessional, I have never had any credit debt with navy federal, they are treating me very unfairly and I have been on the phone all day with different " managers '' who say they are reviewing the calls to see if I in fact intended to open a new account. If my rent check bounces my late fee is {$120.00} plus any bounced check fees and I will no longer be allowed to use the echeck system through my property manager again due to navy federal tricking me. They lied to me about what they were doing with the new account and took my money for a debt that does not belong to me. This was supposed to be a new account and they tricked me and stole my payroll check for an entire 30 days. I will face many fees and financial damages I can not afford because of them lying to me about my initial deposit. The worst part is how they treat me trying to ask for help, I am taken in circles and have explained the situation repeatedly to many people who say they are reviewing recordings while my families rent is on the line and they could care less. This is making me sick to have my money stolen for choosing to be a member of their credit union.
Consumer complaint received 2022-01-04
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: Resurgent Capital Services L.P. (TX)

I have reached out to both XXXX and the Collection agency Named LVNV FUNDING LLC regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as XXXX is reporting a date of last activity as XX/XX/XXXX while XXXX is reporting a date of last activity as XX/XX/XXXX. In the payment history, XXXX continues to report this account as a charged off account, while XXXX is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (NV)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the tile of a consumer that the consumer identifies as in information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection in any consumer report agency may tarnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer whom it relates, I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am requesting deletion of all negative reporting accounts immediately. Thank you for your time.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXXReceived an invitation via email to apply for a credit card, I applied and received an approval for a secured credit card. The approval required a deposit to secured the line of credit and the credit limit will be equal to the deposit amount. 
XXXX XXXX I wired {$200.00} to Capital One and opened the account XXXX and XXXX Utilized the card and make payments promptly to keep a low balance and be able to reestablished my credit. 
XXXX XXXX CAP ONE CLOSED OUT THE ACCOUNT without notice. I had just made a payment which put the account back to a {$0.00} balance, this payment was made on or around XXXX. 
XXXX XXXX I learned the account has been closed. I called them to learn why the account was closed. The representatives keept transferring and I was not able to get an answer. I let it go, and ever since I been waiting for my security deposit to refunded. 
XX/XX/XXXX : I called again wondering why they closed out the account and wanted to check the status of the refund. The representative I spoke with told me the account was credited on XX/XX/XXXX and has a balance of XXXX, a positive balance. The refund was not processed. I escalated my request and updated my mailing address. He said it will be mail to me. 
XX/XX/XXXX : I just got off the phone, this will be my XXXX or XXXX attempt to get to the bottom of the closed out reason and the status of my money. I just learned that it has not been process. REF : QUICK SILVER CARD XXXX # XXXX THE MONEY OWED {$200.00} I feel mislead and the offer is all about taking your $ , keeping the $ $ and closing out the account with no reason. Is this a way to raise $ $ at bad credit people 's expense.
Consumer complaint received 2019-10-29
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: EQUIFAX, INC. (WA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

On XX/XX/19, I called XXXX XXXX to find out what date I was paid through. I was told I was paid to XX/XX/19 and I requested to cancel service on XX/XX/19. I was told service will be canceled and to ship the equipment to avoid charges. At midnight XX/XX/19 my service was not connected in the house. On XX/XX/19 I received a text from XXXX indicating boxes to return my equipment was shipped. A few days later I received a XXXX bill to cover for service in XX/XX/XXXX {$180.00}. I did not pay it because I canceled service and did not have it. On XX/XX/19 I called to ask specifically which equipment to ship back to avoid charges. I was told service was off as of XX/XX/19 and to ship only the TV cable box and remote. On XX/XX/19 I received a text from XXXX confirming the shipment was received. A couple of weeks later, early XX/XX/XXXX I received a letter from Eastern Account System of CT to collect a debt for XXXX  for {$180.00}. In that letter it states to call within 30 days to pay or dispute the charges. On XX/XX/19 ( well within 30 days ) I called to dispute the charges. The male phone representative said he will submit the dispute. On XX/XX/XXXX I receive a letter dated XX/XX/19 stating I did not respond so they assume the debt is valid and reported to the credit bureau. I have NEVER had a derogatory against my credit and now my credit score dropped over 60 points!
Consumer complaint received 2022-06-09
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. (NY)

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (TX)

This company only excepts payments made by check by your bank or over the phone with a fee. If you mail a check it will always be late at they record the date they received the payment not when it was made. I tried making several over the phone payment and even tried closing my account but they just hang up. So now I have late fees and my account still isnt closed. This card company is committing major fraud.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe. 

If XXXX XXXX is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.
Consumer complaint received 2021-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I am eligible for public service loan forgiveness, but I am not getting answers, even though I applied for forgiveness back in XXXX of this year. 

I was hired as an XXXX XXXX XXXX in XXXX of XXXX. My loans were consolidated in XXXX of XXXX. I do not recall missing any payments. I asked that my loans be put in forbearance only one time, at the urging of a representative with PSLF. The reason I requested forbearance for a total of a couple of months was to get the payments to " match '' their due dates. 

I have submitted two addendums showing proof of payments and requests for payments where PSLF says no payment was due. 

Every time I call, I speak to someone different and am unable to get an answer. I've been told multiple times they are still processing my application to see if I've made the 120 qualifying payments. No one is able to tell me how much longer it will take to process. 

I have stayed at my job for the last two years solely because of public service loan forgiveness. I have spent hours on the phone trying to get answers as to whether I qualify and if not, why. 

Please help me get an answer. I've asked to speak to supervisors and been told my application had been expedited, but to no avail. I should be eligible to have my loans completely discharged so I can move on with my career.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I had a fire at my property. On XX/XX/XXXX I contacted the servicer of my second mortgage ( LoanCare ) because their name was on the insurance checks that I received from the insurance company that totaled {$71000.00}. I was told by the Representative that I should send the endorsed checks to their office with a return envelope and they would endorse the checks within 2 business days and return them to me so I could forward them to the first mortgage holder ( XXXX XXXX ). On XX/XX/XXXX I followed up with Loan Care and was initially told that they were going to cash the checks and administer the process of releasing the money to the contractor. I reminded them that they had told me on the XXXX that they wouldn't administer the claim because they were the 2nd mortgage holder. The representative then said that she was mistaken and that they won't be administering the money but that they needed the instructions and claim information from the first mortgage holder. I forwarded that information that day and it was signed for by their office on XXXX XXXX called them again in early XXXX and was initially told that they hadn't received the information but after giving them the tracking information they acknowledged that they had it and the checks would be endorsed and returned to me within 5 business days. I contacted them again 10 days later and was told that they cashed the checks and that they would distribute the money directly to the first mortgage servicer but that because of the amount of the checks they needed, but hadn't received, the necessary authorization from their manager which they had requested 9 days earlier. They refused to put me through to a supervisor and instead brought a resolution specialist on to the call who said there was nothing they could do and I had to wait for the authorization. It is now been over 2 months since they received the checks and they still haven't released the money. The contractor has stopped working because he hasn't been paid and the house is not habitable in its present condition. I have continued making the payments but it has been a financial burden.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, Transunion 's XXXX TU ) phone number, XXXX, located on their website, reaches XXXX XXXX XXXX  in XXXX, NV. Apparently this has been an unresolved issue for months, as the lady who answered at XXXX XXXX XXXX immediately asked me if I was trying to reach XXXX, and that many have complained directly to XXXX, yet their phone number remains the same. That's my first issue. 

Secondly, when I try to log on, I can't get past the HARD SELL page of, secure your credit for {$19.00} a month. 

It seems like a conflict of interest for the credit reporting agencies ( they all have hard sell XXXX to offer this sort of security as it should be a given to keep my data secure. 

I suppose it behooves XXXX to keep consumers guessing on how and why their score 's been impacted and how a consumer can raise their score without having to use " XXXX '' or another tool as banks are their customer. 

I should have excellent credit, just like my husband, as we have identical usage, a mortgage, and payment history, yet my highest score is XXXX, whereas his is XXXX. 

Please address my score issue, the conflict of interest, and the incorrect telephone number. 

I appreciate your time and assistance on this matter and look forward to hearing back. Please let me know if you need anything from me to assist you. 

Best regards,
Consumer complaint received 2022-07-28
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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 2021-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CT)

This has been an ongoing issue for almost XXXX year now. Around AXX/XX/2020, my debit card with Wells Fargo had been compromised. I immediately called and reported all of the fraud charges. I also noted multiple times that I have not received any new cards nor was I able to log on to my online account. My email address and phone number had been changed on my account and I was not able to view any updates. I mentioned this issue to every single agent I spoke to and only one was sure to make a report and note it. I was informed by the fraud department that a police report was necessary for this case. I tried to send this report to Wells Fargo multiple times. One agent even told me my police report was denied and they did not even want to look at it. How does it make sense to ask for a police report and then deny it? I tried to speak directly wit h the agents that were in charge of my case, but had no luck. First, I was told my case needed to be sent to a manager or supervisor and I would get a callback. Nobody EVER called me back. Also, I explained multiple times that my email and phone number were not correct and to update my profile. Later, the agent explained that all updates were being sent to the fraudulent contact information on the account. I tried to work with Wells Fargo in every way that I could, but there is no hope anymore. I even contacted the merchants that were associated with the fraud and e very single one said they were unable to help and that my bank should take care of this issue. All of the fraud charges have a total of around {$8000.00}. This is a large sum of money and I should not be held liable for these fraudulent transactions. I would like my money back asap. I have been lied to and treated like a piece of garbage going back and forth with this terrible bank.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Mortgage account autopays on the XXXX. Got returned by my bank on XX/XX/2020 NSF Without me noticing. Got a call from 5/3 on XX/XX/2020, advised me about it, and offered me to process payment, and they will wave late fee and won't report it late. Paid on the spot over the phone. I now got hit with a 30 day late report. And a late fee. Called their credit Dept, got a negative canned response in the mail. 
Information report is inaccurate, as payment was late 19 days and not 30 as reported. Additionally, I was promised by the agent taking the payment that Account will not be considered late.