davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (MD)

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (CA)

XXXX XXXX XXXX  has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to XXXX XXXX to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (VA)

After reviewing my credit report i noticed a ton of errors with incorrect and false information. Also please note that I checked the source and my data was affected by the Equifax data breach as well as the XXXX XXXX data breach. Which is extremely unfortunate for me. Those breach 's have caused false account attempts ( inquires ) false addresses and even as far as accounts that do not belong to me that were open. On XXXX i sent a letter out to the said consumer reporting agency Equifax and as of todays dates XXXX i have not received a response from them. in my letter i did inform them of the false and negative information and how with my credit report not reporting XXXX percent correct as it is supposed to that they have violated me as a consumer which also means that the consumer reporting agency has civil liability for willful non compliance. i understand that it is the CFPB place to govern them. Please get on Equifax with doing the duty of completing the investigation within the allotted time of 30 days. I am also aware that if a investigation has not been completed in the allotted time then the items must be removed from the consumers credit report. 
the item by XXXX XXXX XXXX, that is not even mine not only is it not mine but it is reporting as an open collection, which a collection account can not be open, also again i have never did business with this said company of XXXX XXXX XXXX  the, account information is inaccurate and not reporting XXXX percent correct. there is not even an account number and please do not respond to say that is for the person or the consumer safety because nowhere in the book or law does it state that is to be what it states is to have the full information of an account, report it XXXX correct. 
another collection item is listed on my credit report as Medical, that doesn't belong to me, I have never did business with said company and of my knowledge medical collections are a violation and can not report on a consumers or credit report this account is clearly stating boldly that it is a medical item and that it is a collection item ; also there are 3 other items on my credit report one with XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are reporting incorrect payments amounts, payment status which is a billing error, payments were paid as agreed on time which is a billing error violation with inaccurate reporting information. 
I have attached the letter that i have sent to them along with my drivers license to prove who i am as well as a statement to verify me at my address. and Per my usps search the documents have been received.
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (MD)

Complaint - PHH Mortgage Service I am communicating this complaint in regards to a Refinance cash out of an investment property which started the week of XX/XX/2019 from XXXX XXXX who then completely went over all of my required information and verified my reserves of {$17000.00}, before moving to XXXX XXXX on XX/XX/2019. Mr . XXXX further processed my application. During this process, and procedure all information was again verified and approved before submitting the verifications of reserves funds with the under writer department. Remember in the beginning, I was already verified for having {$1700.00} in reserves which was required, however the underwriter department requested {$30000.00}. Now this seem strange and all of sudden, I asked XXXX XXXX to have underwriter to go over their numbers again because I knew the amount was {$17000.00}, which they did. The next day, it was confirmed {$17000.00}. Well this brought red flags with me in believing they was not processing my application fairly. Then the underwriters department asked to verified my reserves which I used the information which Mr. XXXX used, my bank savings accounts, my XXXX XXXX   investment plan as well as my XXXX XXXX account. Underwriters came back and said they could not use the XXXX  account nor the XXXX XXXX account, stating they do not grant credit to any terms and conditions requested. The terms and condition they were talking about is the disclosure statement showing that I am the account Holder irregardless of others on the account and if I ever needed the funds I would be penalized for 10 % plus State and Federal Tax prematurely which would not have an affect on them just me. This is standard on any IRA, Roth, retirement savings etc. They opted for this, without stating the guidelines under XXXX XXXX or XXXX XXXX, to justify. So I researched the Guidelines, and it stated funds that can not be withdrawn under circumstances owners retirement, employment termination, or death can not be counted as part of the borrowers reserves. Their guidelines listed whats acceptable source of reserves and Unacceptable source of reserves. In orders words the XXXX investment plan can be used and they decided on their own not to. Unacceptable. Retraining is needed here. 

Further, I have been with this company for many years and they handled two of my loans if a company, cant satisfy their customers fairly then customers dont need their servicing because of unfair practices. I hereby request an investigation into PHH mortgage Loan process particularly their underwriters department in processing refinance loans and the reserves verification.
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (MI)

I have a credit card showing on my Experian credit report ( XXXX XXXX already removed it ) stating I have a delinquent account for XXXX Credit Card. I have NEVER received a card from this company, I never activated or made a purchase for with a card from this company. I have asked for proof of any activation or charges and received nothing. They are reporting a {$300.00} charge off/delinquency for an account I never had! I asked Experian to investigate and remove and they did nothing but state it was accurate. All other credit bureaus have removed and a review of my credit report would show ALL my credit card payments are made timely and this is obviously a mistake that is causing me a HUGE problem on my credit and preventing me from getting a mortgage.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TN)

I received a letter from the creditor by the name of American Coradius International, LLC on XX/XX/XXXX. 
Claiming I owe an amount of {$360.00}.

I was completely unfamiliar with said debt so I immediately called the original creditor & current creditor they have listed.

Neither creditor that they have listed was familiar with the debt or myself as a person. They advised me this could be fraud.

I also decided to research this American coradius international LLC and found multiple sources saying this is fraud as well.

I then contacted this creditor directly and they informed me this was from  XXXX, asked me to verify an email address that I had not used in 10 years. The representative stated he would let the original creditor know but Im not convinced.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (NJ)

Ecmc is currently in my bankrupcy. Theyre reporting late payments & balance owed. This should not be reporting on my credit report. I filed a XXXX  XXXX XX/XX/2022. They will get their money it a five year plan.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Dealer Services has been incorrectly reporting my account to credit reporting agencies for 3 years despite several attempts & disputes to have the information corrected. My car loan/installment account was paid in full & closed in XXXX XXXX the vehicle was totaled in an accident, car insurance & gap coverage paid  the debt completely XXXX. Wells Fargo continues to show the account as open & having an outstanding balance of {$16000.00} with both XXXX XXXX  XXXX. After filing my first dispute, in XX/XX/XXXX, Wells Fargo corrected the balance only on my XXXX report to show there was {$0.00} remaining on the loan but never corrected the account status to paid in full/closed. To date, they are still reporting to XXXX that the account is open & has a balance of {$16000.00}. I have sent at least 6 letters disputing the discrepancy & Wells Fargo refuses to correct the information. This is having a big impact on my credit/FICO score bc not only is it showing I have an outstanding debt, its affecting my debt-to-income ratio. I dont know what else to do to have this corrected, its been years & Ive tried everything.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very XXXX, XXXX XXXX
Consumer complaint received 2020-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed a fraud ACH online transfer regarding {$360000.00} posted on my BOA savings account as processing on XX/XX/2020, and I call BOA immediately saying I did not authorized the transaction, and requested a hold/freeze on that account and opened a new account and changed user name and password, next day money was back to my account I was told that I was XXXX, XX/XX/2020 the transfer was actullay settled and money was pulled out again from my account, I was told that was due to their system error, but following 2 days money was still missing, XX/XX/2020 they filed a claim for me but that turned out to be a wrong claim, and finally on XX/XX/2020 correct claim was filed on behalf of me, and XX/XX/2020 they denied my claim without any detailed explaination of how they made the decision. I was told by associates from BOA that my case had been accelerated to upper management and should receive a call back within XXXX hours but I never received any phone call from them. I informed BOA and filed police report since I received a critical security alert from XXXX saying someone else has known my password thus I think my account has been hacked and that is why my BOA user name and password got leaked. I did everything right to protect myself from losing money, reported the fraud once it posted on my online banking and filed a police report but BOA did several mistakes and significantly delayed my claim when they were dealing with my case and thus put me at a higher risk of losing money and then they refuse to refund me the money without a reason, I could not accept that result.
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc. (MO)

I called Online Information services XX/XX/2020. My intention was to advise I was in receipt of their mailing postmarked XX/XX/2020 in response to my certified dispute letter and to advise the response was incomplete! The agent took my call at approximately XXXX cst. The agent quoted the Mini Miranda followed by a request to record the call! I agreed to the recording of the call and advised the  agent I would be recording the call as well for my records! The agent immediately disapproved of me recording the call so I withdrew my initial consent to being recorded! I subsequently declined a inbound call back XXXX considering the potential of fraud from being a previous victim of Id theft ) and requested a direct line to a supervisor! The company/agent did not have protocol in place to respond to my request and continued recording the call! She placed me on hold for close to 5 minutes before returning to the call with a generic Hello? ... Hello? then proceeded to deliberately disregard my verbal responses to her Hello terminating the call prematurely with no explanation or salutation! I initiated a 2nd call to alert a supervisor on duty that a rep violated the FDCPA and was advised by an operator This is Collections and NOT Customer service ... the operator placed me on hold for 10 minutes then transferred me to a managers voicemail where I left a message that has yet to be returned. This company has provided no validation or verification of debt and refuses to comply with my request via telephone or mail! The company is reporting 2 trade lines and was sent 2 dispute letters but  combined the response on a vague printout. Attached is a printout of the paperwork sent to me
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank ( Amazon ) has called me numerous times, please see the following dates and times : Monday - XX/XX/2020 : XXXX Tuesday - XX/XX/2020 : XXXX Saturday - XX/XX/2020 : XXXX XXXX XXXX XXXX Sunday - XX/XX/2020 : XXXX XXXX Monday - XX/XX/2020 : XXXX XXXX XXXX XXXX Tuesday - XX/XX/2020 : XXXX XXXX XXXX I feel like it's excessive and anxiety inducing. I use my phone for work, and it's not only disturbing to my work day but it emotionally disturbs me.
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optima Recovery Services LLC. (TN)

I am reporting a business called " OPTIMA RECOVERY SERVICES. '' They have listed a debt of {$65.00} on my credit report for a few years that I just recently discovered and have never received any notification the debt existed. No calls, no  emails, no letters, no attempt to contact me. The information about the business on my report includes : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX date opened : XX/XX/2015 Account type : Collection Department / Agency / Attorney I issued a dispute with XXXX  a few months ago and the account was deleted without any further issues. I discovered this  same account on XXXX  as well. This led me to believe that this debt is either fraudulent or a big mistake. Upon reading XXXX reviews on this business, it seems that this is a regular practice. They agree to remove the " bad credit '' in exchange for payment, but no written record is provided of this transaction ( according to other reviews ).
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (CA)

Hello, This company AVANTE USA, showed up on my credit report but I never received an official notice of dispute to even verify the debt. This company has unlawfully reported a debt relating to " XXXX XXXX '' and I don't even know this company nor the debt that they claim I owe. I do not owe this debt.

This is not right and needs to cease immediately.