davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DE)

For several months I've reached out to the CRA '' S with over 4 letters to remove a bankruptcy from my credit report. The account has not been investigated properly and it was not verified by the furnisher of this information. Public records have to be verified by furnishers of the information as any account listed on a credit report. They have failed in their duty. I contacted the courthouse and I was told - they do not verify with any credit agency. They even sent me a letter to confirm this fact. I have attached a letter to this compliant. Information on my credit report has to be verified with the actually furnisher and not a third party. The CRA 's are using third-parties ; thus, they have inaccurate information - and unverified. Delete the bankruptcy - you are in violation of the FCRA.
Consumer complaint received 2020-02-18
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. (FL)

I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After discovering several unauthorized debits from my checking account by XXXX, filed a dispute with Bank of America on XX/XX/XXXX. Bank of America credited back only ONE of the unauthorized charges, despite providing the supporting documentation proving no charge ( s ) were valid, past or present at the time, with my filed dispute. On XX/XX/XXXX Bank of America sent an email confirming a stop had been placed on all future payments. However, the unauthorized debits continue to date, with the bank clearing each month 's fraudulent debit. As of today, not including the amounts still owed from XX/XX/XXXX, Bank of America has cleared {$250.00} in unauthorized debits to a company they claim any future debit ( s ) to had been stopped. What's worse are the numerous instances in which my account becomes overdrawn, a direct result of the fraudulent debit ( s ). The overdrawn balance then results in numerous fees incurred PER each transaction posting thereafter, by both the bank & the merchant and this has taken place more than once. 

My income doesn't sufficiently cover my living expenses as it is but the bank 's incompetence has literally left me unable to even buy gas to allow for my daily commute to my place of employment.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

What happens to my credit score? Why its too low? Where did you get these accounts I didnt apply for anything! I dont even understand why you put it on my account. I think someone used my personal information and applied for this
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc. (OK)

I received an alert for WebBank/Avant and called them in XX/XX/XXXX to confirm an account had been opened. I reported to them at the time that this was not me and they said that they would investigate. I never heard from them. I had my monitoring service send a dispute letter and complete fraud package including an ID Theft Affidavit, Police Report, identification, etc. on XX/XX/XXXX, XXXX we confirmed it should be sent to : XXXX. I have never received a confirmation that my information was received or that this has been resolved. I resent an inquiry on XX/XX/XXXX with the documents asking for a confirmation that my email was received. I have not heard back. It has been over 60 days since my original dispute with no correspondence.
Consumer complaint received 2022-07-01
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. (NC)

XXXX XXXX has been reporting a chargeoff of {$790.00} since XXXX. I have never had a wireless account with them. I was on a family plan that was owned by my mother XXXX XXXX from XXXX. I have disputed this debt with all three credit bureaus numerous times. The debt is validated by the credit bureaus. They are refusing to investigate fully. I have called XXXX Recovery and Fraud department. They have verified that I do not nor have I ever had an account with XXXX. XXXX refuses to remove this line item from my credit. They are telling me that I need to file a fraud report. All three credit bureaus have continued to report this as well. This chargeoff has impacted my credit for 6 years!
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX I submitted a letter to the 3 credit agencies known as XXXX, Transunion and XXXX. As of today XX/XX/XXXX, I have yet to hear from XXXX. I heard from XXXX and Transunion. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from XXXX. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. Transunion is reporting that {$65000.00} is past due and XXXX is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, XXXX is reporting that the account was charged off starting XX/XX/XXXX. However, XXXX is showing that the chargeoff started XX/XX/XXXX. Also all XXXX of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C Transunion is reporting that I have no payments on the account under payment history. However, XXXX is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that XXXX deleted this account because it is inaccurate. 

Exhibit D XXXX is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. XXXX is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. XXXX is showing that the account was paid on time in XXXX of XXXX but XXXX is stating that it was charged off by then. Transunion is stating that I made no payments on this account which clearly contradicts everything
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

XXXX has refused to put a freeze on my credit report! 
XXXX Experian XXXX are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter XXXX bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021
Consumer complaint received 2022-06-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Started our Refi in XXXX At 3.275 % they lagged until the interest rate jumped to over 5 % .The rep.said they would not qualify for the loan because they only counted 60 % not 100 % from my IRA. Just today got the denial letter. Our lender is Freedom Mortgage.
Consumer complaint received 2020-05-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (CA)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX California. The purchase price was XXXX. I had a mechanical issue with the vehicle on or about XXXX of XXXX, and made an appointment to get it taken care of, because supposedly the vehicle was still under warranty. The morning of the appointment, I waited out front of the building until my appointment time, and it appeared that the building was not open, so I went inside of the building, and was told that the dealership was closing as of that day, and the employees were just finding out. Later I see on the news that they were being sued by XXXX XXXX over fraudulent loans. Mind you that I had purchased a vehicle from XXXX XXXX in XXXX and had to file BK and the car was part of that filing. The BK was discharged, because one of the major creditors would NOT sign off on it, and took 6 months to say it. When the BK was discharged I called the lender to see if something could be worked out to resume payment, and was told I would have to pay the balance in full. I am now being sued for the balance of that vehicle because it was repossessed. The day it was repossessed, I went back to XXXX XXXX to get another vehicle, and got the one I have currently. Due to a massive loss of income due to Covid-19, I was falling behind and called the current lender ( Global Lending Services ), to see what arrangements could be made, I was told I could skip one payment, and they would place it on the back of the loan without penalty. I agreed to do that, and made the payment for the following month as scheduled, and found that they were charging a late fee and were not honoring the agreement over the phone, when I spoke to a representative, they couldn't explain what was going on, I asked to speak to a supervisor, was transferred to another representative after being placed on hold for 45 minutes, when they couldn't explain it, I asked to speak to a supervisor, and after being placed on hold for another 30 minutes, was disconnected. I am certain that there is some racket going on with XXXX XXXX and these lenders, I just don't know what it is. Please look into this matter.
Consumer complaint received 2022-07-01
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : 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 EXPERIAN EMPLOYERS : XXXX XXXX XXXX  XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/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 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Business and Consumer Solutions. (MI)

To whom it may concern : XXXX : Intent to file suit : violation of the FCRA I have sent 50 previous letters to XXXX XXXX  XXXX, FBCS all by certified mail ( copies of receipts enclosed ) requesting that XXXX XXXX  and FBCS remove inaccurate information from my file, and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that XXXX XXXX  XXXX and FBCS has violated the Fair Credit Reporting Act by ignoring my requests to investigate the accused debt of {$1400.00} dollars. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt XXXX XXXX  XXXX, and FBCS to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX MI, for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am aware of my rights under the FCRA and intend to pursue them to the maximum I appreciate your response.
Consumer complaint received 2020-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX  XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (FL)

Credit karma told me I could refinance my car with my credit score through XXXX XXXX through the credit karma 's app even the XXXX XXXX sponsors told me everything looks good I've really good percentage of chance of being approved they then told me to unlock my credit file and proceeded to get copies of my credit report to refinance my car but also send it to a mortgage lender which I did not approve and then in the end I was told I wasn't approved because the lender said my car 's value wasn't close to what I owed on the car and that was never mentioned before as a factor in me getting approved or denied they just based it off my credit which I should have been approved for but if I wasn't told that I'd never would have tried to refinance my car and put negative points on my credit score
Consumer complaint received 2020-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On XX/XX/2020, I submitted a request to Equifax about the information on my credit report about the information they received from the US Bankruptcy Court. I received a letter from the court stating that they do not report to the credit bureaus. I received a letter back from Equifax stating that they verified that the information was accurate. After reviewing their letter it was found out that Equifax received this information from a third party company named XXXX which is a for-profit company that sells consumers information. This a violation of the Fair Credit Reporting Act and may be considered false information on my credit report.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (NY)

Applied for BBVA checking account during a promotion for XXXX . Met all requirements, and called customer service representatives multiple times over the course of the past 3 months. Was told by representative that the XXXX $ would be deposited into my account by XX/XX/XXXX ( she gave me a corresponding ticket # as well ). Called customer service again on XX/XX/XXXX and was told to wait until after XXXX XXXX. Called again on XX/XX/XXXX as money was still not yet deposited, the first representative told me the ticket # did not exist with my account. Called a different representative, and was told the ticket # actually exists and I have to wait until XXXX ( more than 90 days after opening account not in agreement with the promotion that was listed ).
Consumer complaint received 2020-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (PA)

Hello There! 
Earlier this year I had filed a complaint through you about my auto loan with Ally Auto XXXX. You had reported back to me that my case was closed. Unfortunately, I never received any response back from you or Ally Auto about my loan which I felt was predatorily in nature. The total interest that is being demanded by the company is more than 1/2 the cost of the vehicle. I was never notified of the outcome of this investigation. Do you have the details of this outcome? Would you be able to enlighten me on this outcome? I'll wait for your reply. Thank you so very much. 
Sincerely, XXXX XXXX Landline : XXXX XXXX XXXX Cell phone : XXXX XXXX XXXX
Consumer complaint received 2022-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT CAINE & WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CAINE & WEINER XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with The Fair credit reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions