davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have submitted several complaints about information being incorrect, Have also presented XXXX, Equifax and XXXX. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2020-05-08
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. (CA)

I received an alert on my credit monitor that there was a credit inquiry made on TransUnion on XX/XX/XXXX. I accessed my Transunion credit report online, and saw a hard inquiry from a company that I did not recognize. I attempted to complete their online dispute processes, but there was no way to dispute this inquiry online. I contacted TransUnion, and they told me that I would have to contact the company first. Unlike other previous inquiries, I did not recognize this company and they did not have a phone number listed. The agent said that they did not have a contact number for them as well, and I would have to get a police report and then mail that along with a " Letter of Authorization '' to remove the inquiry. I asked if I could just upload this and was told that I had to mail it in as this was their policy to not accept online disputes of inquiries, citing a law and their policy. 
Nearly every item on my online credit report had an online option to correct : from addresses, to employment, to late reports -- except inquiries. The excuse that was given for no online dispute option was nonsensical, and TransUnion allowed a company to give very little information about themselves in order to access very much information about myself.
Consumer complaint received 2020-03-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My mother is XXXX years old. My mother had {$120000.00} invested with MBNA in CD 's. They merged with Bank of America. I went to my local branch in XXXX on XXXX XXXX, where they refused to provide me with any information, and told me I should " forget about it! '' I tried calling the bank 's main office, but could not speak with a live person. I called the branch back and requested a corporate number. The assistant manager refused me my request and said the manager would call me the following week. Of course I never heard from either one of them again. 

My documents indicate these investments. My mother and I are entitled to all the money she is entitled to, including of course any interest. 

They are a pitiful excuse of a bank, and after reading my reviews, I hope that others will not have to suffer similar consequences.
Consumer complaint received 2021-10-15
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: U.S. BANCORP (OH)

US Bank is on my credit report stating that I owe them XXXX once I told them my bank statement states that only owe them {$2000.00} and I requested a loan modification packet they denied me the loan packet and told me my house was in foreclosure then got on the phone and told me they sold my house in XXXX I'm totally confused I need US Bank to update my credit report I file bankruptcy XX/XX/XXXX which wiped out that debt my bankruptcy just got dismissed XX/XX/2021 and I've been currently paying my mortgage I'm behind by 2 months I apply for mortgage assistance I got approved I was stated once the money get there they're going to return it I need them to stop playing I'm not trying to be homeless I would like for them to fix my credit update my documents and mail out my loan modification packet I'm currently they're eating up my whole credit score where I can't use my credit at all this is not fair.. otherwise I feel like they're trying to steal my house.
Consumer complaint received 2019-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Dream Center Education Holdings (NC)

I was enrolled in the XXXX/XXXX  classes..I was lead to believe this was a  federal loan but never the less, I completed 3 classes and then my sister was diagnosed with a rare type of XXXX. I canceled everything and moved home to NC to help her with her XXXX children and she passed away 6  months later. I finally got enrolled in school again this year with XXXX University only to be told after I completed my first classes that XXXX  University wont release my transcripts and Im on unconditional hold until the problem is resolved.. XXXX   University has been impossible to get any information out of.. I did finally find that my original loan with them was through XXXX XXXX who informed me that they dont handle those loans anymore.. Theyre trying to say I owe almost a XXXX dollar debt to them.. I dont really know what or whom Im supposed to do so that I can get on with my education so I can support my family
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was issues the Bank of America government card for my unemployment. I certified 4 weeks of unemployment and every time I received an email from the department of labor stating that my funds were in my Bank of America card. I kept having a XXXX balance on my card until i finally got tired of waiting and changed my payment method to direct deposit. However I am still owed for those previous 4 weeks. I called Bank of America and no one picks up the calls. Please help.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
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. (GA)

Requested an NON E-OSCAR reinvestigation in a dispute filed against XXXX XXXX XXXX XXXX  ( acct. # XXXX ) on XX/XX/XXXX, on XX/XX/XXXX Trans Union claim they finished the dispute process, in one day.I find it hard to believe they contacted the company outside its E-OSCAR system and received results in one day.Current litigation was resolved with this company and a NEW UNIVERSAL DATA FORM was submitted, but Trans Union continues to violate Federal statues simply parroting its E-OSCAR system.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OH)

I went through the preapproval process with loan Depot to do a Cash-Out refinance of an investment property. According to the process, I was preapproved based off of debt to income ratio, and income level, to take funds to consolidate some credit card debt. After two months, the lender ( Loan Depot ) came back with a denial. Their denial was based on their incorrect interpretation of an employer  provided note that was forgivable, not on my credit report, not asked about in the beginning, nor an ongoing financial obligation of mine, to my debt load on the basis that they said they ( Loan Depot ) could not guarantee that I would maintain employment with my firm and it would become an obligation of mine. The Loan is paid back with time served, not money and there was one year left on the note. I have applied for, and been approved for another home purchase as well as another refinance without any negative impact of this note since it was granted 5 years ago. They are assuming I will lose my Job, which would impact more than my note, it would impact my income as a whole. I have never had a loan assume a future loss of employment. It is no different than arresting someone for assumption of a future crime. I demanded my appraisal fee back, as I would never have gone through the process had this requirement been disclosed in the beginning. Not only did I waste my time with the company, but I lost money on the process.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

Your system will not allow me to upload as many files as I have for a prior compliant. 

I want to upload all the files relating to the issue- and the complete file is over 39 MB. 

And all three, XXXX, XXXX  & Equifax  will have all the files pdf format, in completeness, giving them proof of my identity, and credit history with accuracy. 

Hopefully they will have some common sense to correct the Credit Report and generate a credit score.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

I C System is a collection agency reporting 2 debts on my CBR. 
XXXX XXXX which was paid in full to XXXX XXXX prior to my XXXX  in XXXX. 

Another is for XXXX XXXX XXXX XXXX which shows opened while I was in the XXXX XXXX XXXX XXXX in XXXX. Not possible to get a cell phone account in XXXX. 

I have contacted IC System to validate both debts on numerous occassions and have never received a response.
Consumer complaint received 2022-07-14
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. (SC)

To Whom It May Concern : I recently received a copy of my XXXX Equifax or XXXX XXXX credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX XXXXXXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX CT XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK (CA)

Victim of Identity Theft. I already have a personal loan account with Discover Personal Loans ( DPL ) and the account number is XXXX. On XX/XX/XXXX DPL without my authorization transferred XXXX $ s to my XXXX ( XXXX ) credit card and XXXX $ XXXX to some account in XXXX. I never heard this organization XXXX. I leant about this activity when DPS called me sometime in XX/XX/XXXX. Then i started disputing. I did not even realize that they transferred XXXX $ s to my XXXX  CC. Sometime in XX/XX/XXXX DPL gave me XXXX number of XXXX. I called them, they searched their data base with name, SSN etc. and they could not find any. XXXX wanted Routing ID and first 3 digits of account which they did not give. I reported to XXXX   and XXXX  and they closed this account. XXXX  is investigating. Sometime in early XXXX i consulted a Lawyer. As per my lawyer 's advise, following good faith tender agreement made XXXX $ s as FULL and FINAL payment to DPL as XXXX $ s came from them. Even though i did not authorize i made this payment and they accepted. They deposited the check. Now they are coming after me for the remaining XXXX $ s which they ( DPL ) themselfs don't know where they sent.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I submitted a Complaint last XX/XX/22 but I found out that my Complaints # XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of the unverifiable accounts found on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXXXXXXXXXXXXXXXXXXXXXXX Balance : {$450.00} ; DEPT OF EDXXXXXXXXXXXXXXXXXXXXXXXXX Balance : {$930.00} XXXX XXXX  XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00} ;
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2022-06-14
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. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX. XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.