davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (AR)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (FL)

I feel that these accounts are negatively affecting my credit report and costing me thousands of XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.
Consumer complaint received 2021-03-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

In the first quarter of the Year 2020 I fell victim to covid-19 affected income. The company XXXX through which I had a loan failed notify me by either phone number or my address onfi all of their intention to charge off my account balance after being unable to pay 3 notes from lack of covid-19 work-related issues and loss of income. I had never been late on any of my bills before and my credit score was almost XXXX. Had XXXX made an attempt to contact me through my address on file or either my telephone number also on file I could have made suitable Arrangements with prosper to prevent the charge off on my account. The needless charge off devastated my credit score and has prevented me from getting consolidation loans. This charge off was sold to a secondary company who has declined settlement offers submitted buy me to them through written correspondence. The failure of the secondary Company to work with me in regard to settle the debt is in violation of the Fair Credit Reporting Act as no efforts were made to notify me by the original debt holder prosper. I have been clearly victimized by the XXXX  company. This was a deliberate action on the part of XXXX  to Force a default so that they could take advantage of selling my account to a secondary company in order to quickly recover cash assets for the benefit of XXXX  loan company.
Consumer complaint received 2023-03-24
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. (HI)

I recently received a copy of my XXXX, ,Equifax credit report, and I noticed some late payments, Chargeoff posted on my credit report : XXXXXXXX XXXX # XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 on my credit report?
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (FL)

i have file more than once to the ftc about XXXX XXXX  using strong-arm tactics by scamming me, they lie to me about collecting money i have auto insurance with them and credit cards at the time. the XXXX XXXX  call me using my auto account saying i needed to make a payment, i was at work so i did but got home and call the auto insurance said they did not! i told they what happen and they gave my money back! i have a file with the federal trade commission on this but still, i get a monthly collection company from different ones trying to collect! they are scamming and used underhand tactics and have put my health into problems. a vet with XXXX and XXXX and on fix income what is going on i can not get any help at all. even the ftc complaints are no good in helping with this matter! i want this completely to stop this is not right!
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (AL)

I OBTAINED AN AUTO LOAN ON XXXX XXXX, IT IS NOT REPORTING ON MY CREDIT REPORT, I NEED THE AUTO LOAN THAT I HAVE WITH XXXX XXXX XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

All three Credit Bureaus. XX/XX/XXXX, and Equifax are reporting inaccurate information regarding my account with XXXX XXXX XXXX, XXXX. DOLP and account balance are inaccurate. 

Both Equifax and XX/XX/XXXX has responded, but XX/XX/XXXXhas not responded from last compliant on balance and DOLP reported. The balance of {$4900.00} is inaccurate and the DOLP is inaccurate. 

All information provided will be used along with this complaint against all three Bureau in legal action big not corrected ASAP. I'm a litious consumer. This is a violation of my consumer rights and has affected my credit report and credit utilization negatively.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I received a visa debit reward card for participating in an interview with XXXX in the amount of {$420.00}. It was issued through the Bank of America on XX/XX/XXXX. It had a good through date of XX/XX/XXXX. When I tried to access the funds on XX/XX/XXXX I was told that the funds were forfeited as it was after the XX/XX/XXXX date. I called the number on the back of the card Bank of America ) and they also said the funds were forfeited. When I asked for them to reissue the funds or a new card they declined. I thought that these cards ( from a financial institution ) didnt expire for at least 5 years after the issue date despite what was said on the card itself. ( Two years is a relatively short amount of time to have access the value of the card ). The Bank of America representative declined allowing me to speak to anyone else or appeal this. The money is a significant sum for services provided and I fail to see why the bank can simply reclaim the money that was paid to them by XXXX. Please help me to reclaim this money. 
XXXX XXXX
Consumer complaint received 2021-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (OH)

I was awarded Administrator status by the Court of XXXX XXXX over my late brother 's estate ( name XXXX XXXX ), which includes savings accounts at Wells Fargo Bank. For two and a half months, I have been engaged in trying to get access to his accounts at this bank so that I can administer this estate, but have been thwarted at every turn. I supplied documentation including Original Court Authorization, Original Court Letter, Original Death Certificate, Notarized Letter of Intent which they requested, Notarized meeting Minutes ( also requested ), Statement from the Secretary of State of Wyoming showing that ownership over XXXX XXXX ( account name ) has been given to me as sole owner, two requested POAs and two inperson visits from my attorney into their XXXX XXXX XXXX XXXX Branch ( also asked for by them ) - but each time I submit anything or have my attorney go into their bank they decide that they need something else. Their latest suggestion ( included in the attachment file ) is that I name my attorney a Key Executive in my company - which is merely a holding company and has no operations- and get a third POA for some reason - stating it would require her to go into a bank every time I wanted to access the account. PLUS they require me to physically go into a branch and fill out signatory paperwork even knowing that I live in Ohio and they have no branches in my state and we are in the middle of a raging pandemic. They say they can not accept my signature any other way besides an in-person visit. We are at a stalemate. 

Following Attachment is copy of final demand letter sent to Wells Fargo asking them to respond ASAP - it was sent a week ago. Please read for full timeline of this problem.
Consumer complaint received 2021-01-23
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XX/XX/2020 and XX/XX/2020 I filed a dispute with transunion. transunion fail to reply with 30 days. please can someone help me, these items are causing harm to my credit report. according to the FCRA section 609 they are in violation
Consumer complaint received 2020-05-11
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. (AR)

I have been receiving a letters in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX {$170.00}
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

We suffered losses from Hurricane Irma on XX/XX/2018. Our insurance company paid {$63000.00}, ALL of which have been retained by Flagstar Mortgage. 

Small issues on the claim included damage to fencing, screens, siding, tree removal and haul away costs. The largest portion of the claim was to replace out lakefront dock that was destroyed in the storm. 

To date we have NOT received ONE DIME from the funds that are escrowed. Per the Flagstar 's own policy, we should have received 40 % of the funds up front to start work. They have refused to cut any checks and we have paid out over {$70000.00} from our PERSONAL FUNDS to complete the work. 

They refuse to accept the docks contractor 's invoice and my cancelled checks as proof of payment. Every time we contact they they want additional documents that the contractors have already provided. Further, after 3 weeks of going back and forth regarding the dock, now they want excessive documents for the minor repairs that were completed and paid for over 2 YEARS AGO - Items they NEVER ASKED FOR UNTIL I COMPLAINED ON SOCIAL MEDIA.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX representative would not provide me a copy of case number XXXX. Also XXXX representative would not help me resolve this issue while I was in the store at the time of the promotions ; case number XXXX.
Consumer complaint received 2020-12-14
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. (NV)

I just received a copy of my credit report and I noticed these hard inquiries are fraudulent. Soonest I finished reading my report I went to my Equifax account and lock my credit report to avoid these things from happening again. 

XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020
Consumer complaint received 2021-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (VA)

Ford motor credit had the wrong information about me ( wrong phone number ) never sent me a bill I had an automatic payment set up they chose to take out the money when it is convinient for them and they dont when they charge you a fee and report you they ruined my credit for no reason for the second time for stuff that is totally their fault I had an immaculate record until they reported late payments twice without sending me anything or letting me know, I wanted to bring this to the attention of the public that this type of behavior is dangerous and should be illegal
Consumer complaint received 2020-05-11
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Every time I apply for ANY credit, I am sent letters denying me however these same letters states that either a credit report was not pulled or I have a 700 plus score but yet they still deny me for ANY loan or credit application. I wrote the 3 credit bureau on XX/XX/2020 updating my legal name because I was denied credit due to " inactive file '' status. My name has a suffix behind it so I sent them my ID and other documents to provide proof of my identity and requested my credit profile show up active. I never received any correspondence from them or any notification. Further more my identity was stolen by the SBA and I received a Notice of Data Breach. I am unsure why i am having these issues but know that I should of been offered the credit in which I had requested. I am still receiving notices that states these concerns. Your help in this matter will be greatly appreciated.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Problems with Equifax -- ( 1 ) Unable to lift credit freeze on my account ; ( 2 ) Unable to access my online account at <myEquifax.com> : My credit account is frozen because of a major identity theft problem in the past. However, I needed to temporarily lift the freeze so that XXXX XXXX could run a credit check. I tried initially to do this online but the Equifax website would not accept my user name and password ( which have been recorded on a spreadsheet and have never changed ). After going through a much more tedious phone process, I was given a 10-digit confirmation number and told that my account would be open after 1 hour. However, when the merchant queried my account ( after 1 hour and again after about 20 hours ), they were still unable to complete their inquiry because ( according to their rep. ) the account had been locked. Because it was the weekend, I had to wait 2 days before going through the process again today ( XX/XX/20 ). This morning I reached another phone rep. ( to whom I again provided detailed personal information ). The rep. " verified '' my information and said he was able to unlock my credit information ( confirmation no. XXXX ) but needed to transfer me to another rep. who would assist with unlocking my account. However, the connection was lost during the transfer and I had to call back ( and wait on hold ) again to reach someone who could assist with online account access. I gave that rep the identical identifying information that had just been " verified '' by the prior rep but was told by the online support rep that it couldn't be accepted. I repeatedly offered to provide whatever additional identifying information necessary to restore access to my online Equifax account but was told that wasn't possible and that I needed to send copies of my drivers license and social security card to Equifax. I then requested transfer to a supervisor and, after additional waiting, was connected with XXXX ( ID # XXXX ) who only parroted back the same information. I then requested transfer to a manager and, after additional waiting, was connected with XXXX ( ID # XXXX ) who queried my record, said she was able to access the necessary identifying and account access information that would enable her to restore my online account access. However, after another long phone hold, XXXX came back on the line to tell me that my blocked online account access was actually due to a " technical problem '' that had to be escalated to the Tech Support department. She generated an escalation request ( Case no. XXXX ) and told me that I would receive an email from the tech support department within 48 hours which would include an explanation for the problem and detailed instruction regarding how to reset regain access to my Equifax online account
Consumer complaint received 2023-02-07
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. (FL)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX