davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (MO)

the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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)

It's a long story but my ex-wife got involved with these XXXX XXXX  running an organized crime deal. Especially with the covid 19 tax programs. They stole and duplicated not just my identity and my deceased families identity. They were able transfer my fico score There's a lot like all of XXXX my social security number didn't show up on my consumer report. Mine ends in XXXX. There was a a XXXX on my report. 
There was an XXXX XXXX, my ex sister in law XXXX ( XXXX ) XXXX, there was my information at the social security office changed. My mother 's name was changed, and many other things like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here in XXXX CA on XXXX XXXX and XXXX XXXX. The are where there's an oil company, car dealership. 
There's a XXXX XXXX, a {$43000.00} loan, the IRS put a lien on some property. Someone not only paid it, but over paid it. 
When I was driven off the road on XXXX I owed XXXX XXXX {$500.00} to retrieve my car. Someone with a tow truck paid the {$500.00} deductible that the bank didn't cover. Then they hauled it off. 
There's a lot!!
Consumer complaint received 2020-11-17
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. (CA)

The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (NC)

I called today to request forebarence or deferment of payments since my husband is now unemployed due to Covid. The company said they are no longer offering any " extensions. '' I told the representative that I thought all companies had to comply due to Cares Act if the loss is pandemic related, she stated that they did not.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 or about, from my Citibank account I sent an international wire transfer to my sister 's account in XXXX. The wire amount was {$6400.00}. The bank told me the money should be arrive in my sister 's account by XX/XX/XXXX or may be sooner. However, the funds were never delivered to her account. I called numerous times to Citibank but no one could ever provide me any details about the wire status. On XX/XX/2022 Citibank credited my account, but only for {$5300.00}. I never ask for cancelation or recalling the wire. It was Citibank own decision, but no one has an answer for me that I lost {$1100.00} ( {$6400.00} - {$5300.00} ) for WHAT? I basically was out of thid money from XX/XX/XXXX until XX/XX/XXXX, and never received the original amount.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding, XXXX ARE CALLING ME CONSTANTLY, VERY UNPROFESSIONAL AND DEMANDING WITH ABUSSIVE MANNERS THAT I PAY AND OLD DEBT. THEY MAKE THREATS TO ME.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (PA)

Upon receiving notification that a collections account was opened by Spring Oaks, the original creditor name, and the date being reported as when Spring Oaks bought the account rather than the date of the original delinquency, I submitted a dispute through the credit bureaus indicating what had been done. All bureaus reported it as being accurate and no change was made. 

On XX/XX/XXXX, I contacted Spring Oaks directly and spoke with XXXX XXXX at XXXX. She told me that the date of XX/XX/XXXX is correct and is the date of when the account was assigned to them subsequent to their purchase of the debt and that they do that for all of the accounts assigned to them. She further stated that as such they will not change the aging date on my credit report. When I asked the date of the account going into collections, she stated that it was XXXX, but didn't give a month. At this point she asked if I was calling to make a payment and would not answer any further questions or have more of a discussion. I told her that I appreciated the information and would complete my report to the CFPB and the call ended.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I have been trying to work with Experian in regards to items on my credit report that do not belong to me. They are not being helpful even after multiple attempts to communicate. They refuse to remove a couple items. I have attempted to communicate in XXXX, XXXX, XXXX and XXXX of 2020. They are refusing to assist. 

The following are the items that do not belong to me in which Experian refuses to delete : XXXX XXXX Auto Finance # XXXX {$17000.00} XXXX XXXX # XXXX {$290.00}
Consumer complaint received 2021-01-22
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. (OK)

XXXX XXXX XXXX herein known as " Consumer '' XXXX XXXX XXXX herein known as " third party junk debt buyer '' On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat 24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. 

STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. 

A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal XXXX App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).
Consumer complaint received 2022-04-08
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. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX EQUIFAX : XXXX XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WY XXXX, GA XXXX
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

The {$100.00} that was deposited to open the business checking has not been returned back to me. To make matters worse and causing me stress, the Citibank branch and Citibank customer representatives would not help me at all. All of the individuals I have contacted/spoken to were giving me a round-a-round. Below are the facts of the this complaint : 1 ) the business checking account was opened last XX/XX/2020. A {$100.00} check from my personal credit union checking was deposited ; 2 ) Citibank closed the account last XX/XX/2020 and a letter from Citibank came and DID NOT EVEN INDICATE THAT MY {$100.00} WILL BE MAILED OR NOT ; 3 ) Citibank customer representatives were very rude, unhelpful, and were giving me a round-a-round ; I asked several times to speak to their supervisor and they told me they do not have any supervisor ; the representatives names were XXXX ( PIN : XXXX ) and XXXX ; the Citibank representatives from overseas were the ones who were rude and unhelpful ; the Citibank representative from USA were very nice and at least very respectful ; 4 ) I contacted the Citibank branch XXXX via email and over the phone and they told me that they can not help me ; 5 ) Right now, XXXX XXXX  is struggling due to COVID19 pandemic. WE are thinking of closing it if I do not get a turnaround in the next three months ; and here goes other people and Citibank company not returning my money for more than 30 days is tantamount to XXXX  and XXXX  me and my family slowly ; HELP ME AND MY FAMILY
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had a credit card with bank of America for over 8 years I have alwaus submitted payments on time. During the pandemic I was unable to access my account due to lost phone when I logged in I did the full payment of my balance wich was {$50.00} I have over XXXX $ in the account I never received a letter or call that the account was past due now I see they reported late payment to my credit wich is affecting my ability to get a credit. I have always paid on time and the {$50.00} is paid in full so I don't understand why this was reported without notice. I really need this to be removed I've been a customer for 10 years never missed a payment and this is causing me issues. 

The balance is paid in full and I would like this to be removed from my credit
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (NJ)

The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2022-04-06
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted Experian to report inaccurate information on my credit report on XX/XX/XXXX and again XX/XX/XXXX of this year. I disputed my name being reported inaccurate on their report. My name is being reported as XXXX XXXX which there are 35 people of the same name in the state of California and more nationwide there's even one that's a XXXX XXXX driver. Because of this fact and the rise in identity thief I chose to report my name as on my birth certificate and social security card and drivers license. 

That name is XXXX XXXX XXXX. That name is also on my business documents fort my company XXXX XXXX XXXX, also with my association with XXXX XXXX XXXX ( a youth basketball association ) There has been occasions to abbreviate my middle name but never exclude it. 

I sent copies of my Driver 's License, Social Security Card and bank statement. 

The FCRA states that the information reported on my report should be accurate. I applied for credit and was told that my name did not match the name I applied versus the name being reported by Experian.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/2020 we closed on a new mortgage loan ( XXXX ) with TD Bank. 

The funds from this new mortgage loan were supposed to payoff our existing mortgage loan ( XXXX ) which was also with TD Bank. 

It has been 4 weeks and the funds from the refinance have not been applied to the original mortgage. It still shows an outstanding balance, payment due, and is accruing interest. 

We have notified our loan officer, XXXX XXXX, by phone and email multiple times and he has not responded to our questions. We attempted to contact his supervisor, XXXX XXXX, and he has not responded. The closing agent, XXXX XXXX at XXXX, verified that the funds were dispersed on XX/XX/XXXX and a wire transfer was sent to TD Bank to payoff the existing loan ( confirm via email received from XXXX XXXX on XX/XX/XXXX ) The payment to the old mortgage ( XXXX ) needs to be completed and back-dated to the date of our closing.
Consumer complaint received 2021-07-02
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: Velocity Portfolio Group (MD)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-11-06
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)

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


1. XXXX XXXX acct. # XXXX bal. $ {$3300.00}
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (CA)

The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Hello, I wanted to reach out and let you know my experience with one of the big three credit checking agencies to ensure I was checking my bases and doing my yearly credit check with Experian. Nothing was off with my credit score, but a few weeks later I receive a charge from Experian on their month membership. I had to put in my credit card information to get my credit score, but it did not tell me it would sign me up for its reoccurring membership of {$25.00} or {$300.00} dollars a year. I called and they granted me a " pass '' this time since they " can not refund membership fees ''. This seems wrong when the FTC advocates for this group as a resource for the American people.

To note, I looked to ensure I would not be signed up or charged when putting in my credit card information. As well, none of the confirmation emails sent to me had any indication that I was signed up as a premium member. Also, when trying to change my membership, there was only one small hyperlink at the bottom of the page that allowed me to do so on the page.

For one of the big three credit report sights, this seems low and scummy to charge when they are required to give us a free report once a year. It feels like prey tactics and if it is common knowledge to use this company then I think that this tactic is unethical and preying on individuals. 


Thank you for your time and hope you can take this to the proper channel to ( This was XX/XX/2021 when I summitted this to the FTC and they pointed me to this agency ) Now today ( XX/XX/2021 ) I get a notice from my place of employment that there was a data breach with my information and it tells me to the go the the Experianidworks.com page to sign up for a year of protection. I put in the same information I did on Experian 's main page, and it will not let me log in. I got through the process of getting my password reset, and the recovery system is not the same of the recovery system I just used on their main site. To me it is making me think that Experian is making it harder to get into their system on purpose so that you will not use the free system provided to you, and I you can not access the Experianworks page on their main site to enter your activation code unless you put in your credit card information.