davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with XXXX XXXX through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. XXXX XXXX manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been disputing this account since XX/XX/2020 and asking for the account on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation took well over 30 days and came back verified with NO proof of contact. This company continues to knowingly violate my rights to Fair Credit Reporting.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I have diligently communicated the disputed nature of this alleged debt to each of the three major credit bureaus : Equifax, XXXX, and XXXX. These communications were sent via certified mail, providing detailed information about the lack of validity of the debt claim, including : 1. Copies of my correspondence with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
2. Documentation showing their failure to produce a valid contract with my signature.

3. Evidence of the creditors ' acknowledgment that no such contract exists.

4. My consistent assertion that I did not apply for or authorize this debt. 

Despite providing this comprehensive information, Equifax, XXXX, and XXXX have refused to remove the disputed entry from my credit reports. This refusal persists even though I have clearly demonstrated that the alleged debt lacks proper verification and legal standing. 

The credit bureaus ' failure to act on this information is in direct contradiction to their obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Given the evidence I have provided, a reasonable investigation should conclude that this alleged debt is not verifiable and should be removed from my credit reports. 

The continued reporting of this unverified debt by Equifax, XXXX, and XXXX is causing undue harm to my credit standing and financial reputation. Their inaction in the face of clear evidence demonstrates a disregard for the accuracy and fairness principles that underpin the credit reporting system and are in violation of FCRA 605 ( b ) ( U.S.C. 1681c-2 ), Requires removal of each item from my credit report within four days of this complaint submitted.

I have fulfilled my responsibility as a consumer by promptly and thoroughly disputing this inaccurate information. The credit bureaus ' failure to appropriately respond to and act on this dispute raises serious concerns about their commitment to maintaining accurate credit reports and protecting consumers ' rights.
Consumer complaint received 2019-03-28
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. (NJ)

We bought our house in XX/XX/2018 loan from XXXX XXXX, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from XXXX. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280 points because of this. 

We have this complaint against XXXX XXXX for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this.

3> affected our credit score and not taking any action to let us know or clear this.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I contacted my mortgage company during the Summer I was having issues with payment ( XXXX XXXX XXXX ) They told me I could file for a loan modification. So I got the ball rolling on that. About XXXX I was told my loan modification fell thru do to not submitting all the paper work. I talked to XXXX and asked how to fix this and was told to resubmit. So I resubmitted all the paper work. In XXXX on 2019 I was told I was approved for loan modification. I was to make 3 payments on time starting in XX/XX/2019 of XXXX dollars and some change. Then I was told my loan is with a new servicer ( SP servicing ) I called this new company in XX/XX/2019 and asked about the loan modification and how to handle this. Was told SP didn't have the paper work and to wait 60 days till they got all the paper work. So I waited a few weeks and tried calling again. Still nothing. So I called XXXX and they told me they should have received all the paperwork. I called sp a few more times and wrote a couple e-mails. The company has never responded. I explained I was worried I would miss my deadline for my trial loan modification. They didn't seem to care at SP servicing. I was in foreclosure and that was all they cared about. The customer service is XXXX. When I asked SP what to do they said wait till they get all the paper work from XXXX. I felt by then my trial loan modification would go down the toilet and I would loose my home. To this day I have never received a phone call or e-mail from SP services. I wish XXXX would kick them too the curb and take back my account
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (FL)

Caller ID cash net phone # XXXX XXXX XXXX called on XX/XX/19 @ XXXX XXXX. I have never had a dealing with a company by this name. They have called in the past. I do not answer calls from people or businesses that I do not know or do business with. I receive many calls daily, most of which I do not answer because I do not know who is calling. The only possibility I can think of as to why this company called is that it relates to my son XXXX XXXX XXXX who has not lived at this address for 18 months.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

on XX/XX/XXXX, I submitted a mortgage refi application with Citibank for my primary residence. The associated fees for the application were charged to my credit card on XX/XX/XXXX. It is now XX/XX/XXXX - over a year since the application was submitted and my application is still pending review. I have chased, I have escalated, but none of it has worked. Most recently, I don't even get a superficial response that my loan is still pending when I ask for an update. I have had to pay the higher interest compared to where the refi is locked all these months. Additionally as rates were dropping, I asked Citibank for a rate refresh to see if I can re-lock at a lower rate and my requests were ignored. Citibank 's practices are unprofessional, unethical, and this needs to be addressed immediately.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

This is regarding a Citibank Credit card.I made about {$1000.00} worth of purchases on XXXX back towards the beginning and middle of XXXX. When I got my next statement I noticed a charged me a lot for late fees and interest because for some reason they had taken me off paper statements. I called them to dispute that but at that time I guess due to Covid I was having to wait 3 hours and never get through to anyone. Their website was down so I couldn't contact them that way. It took me weeks to get through and finally I hit the fraud department number because I was just hitting any extension I could to try to get a live person. Everybody I would speak to didn't speak English very well..so they misunderstood me and put my entire account into fraud and issued me a new card. Subsequently XXXX contacted me and said that the charges were being denied so at that point I contacted Citi back and told them those charges were valid that I was just trying to dispute the late fee and interest charges. XXXX however refused to accept any payment from that card anymore and I had to pay all the XXXX charges using a different credit card. Since then Citibank refused to take those charges off of my card I have called them hundreds and hundreds of times I've spoken to supervisors in just about every single Department. I get a different answer every single time and nothing has been resolved I spent countless hours and months on the phone dealing with this. The last supervisor that I spoke with in Citi Billing Disputes said the only option was to have me file a claim with the  FTC and that she would issue me a partial statement credit! I contacted as many other Citi Departments as I could and sent them a certified letter. On XX/XX/XXXX XXXX XXXX, a supervisor from Citi security operations, left me a voice mail saying all charges would be removed. They still haven't been and instead they triple added back {$600.00} of the original charges and additional late fees. This is beyond ridiculous!!! I'm trying to find someone that can actually help me for once.
Consumer complaint received 2021-02-27
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: Allied Collection Services, Inc. (Nevada) (PA)

I have desputed this item with the collector multiple time and have tried to remedy this multiple times. Please provide the following information. Please send me a copy of the contract with my valid wet signature. Please send me proof of the calculation of the amount of which they say I owe as well as all payments leading up to the amount of which they state that I owe ( the XXXX which is stated that i owed on XX/XX/XXXX ). Please provide documentation of paper work that has my valid wet signature showing that I agreed to pay this amount ( XXXX ) with the debt collector. Please provid me with the license number and registered agent or agents of service. Also provide a validated signature on documentation that has the same name on the account as is my complete legal name. The collection agency is reporting many things incorrectly on my credit report and it is affecting me personally. I have documentation that many things that are being reported have been back dated, not represented correctly, reported incorectly and illegally. I am still recieveing a bill from the original creditor and the original creditor has added on new charges to the account since the amount that was due on XX/XX/XXXX and was put into collections on XX/XX/XXXX which in and of itself is wrong. Please remedy this and remove it from my credit report this is really unfair, unjust, and preditory practices.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

On several occasions I will go to bed with a positive balance then wake up with an overdraft fee associated with a negative valve that wasnt there the night before. 
Anytime my account goes negative I receive a text message and I refund the account prior to XXXX which is their cut off time. 
However they process things out of order and will not give you an opportunity to correct or refund items that cha XXXX over process over night. Theres no warning and no time given to fund our account. For example on XX/XX/2021 I received a text saying my account was negative XXXX I checked my account later that day to Find it was XXXX at XXXX EST I transferred money from a different regions account exactly {$9.00} to cover the negative balance. I had a positive balance of XXXX however on XX/XX/2021 I woke up with an overdraft fee for charges that apparently process over night out of order that over XXXX my account by XXXX. 
This is the XXXX time in XXXX weeks that regions has done this. They admitted their processing is XXXX but refuse to refund me
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

After viewing my credit report I noticed inaccurate information on my credit report. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.
Consumer complaint received 2022-07-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XX/XX/XXXX mailed a to XXXX XXXX and Transunion regarding information about inaccuracies on my credit report here is the letter that were sent and no response back. 
I've also sent proof from the courts showing don't report to the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Previous address : XXXXXX/XX/XXXX, XXXX,XX/XX/XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, I have previously disputed this item with you XXXX and in the response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 16811 ) and the information must be deleted immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract all accounts that you post on a credit report. 

Please see my reasons for dispute below :XX/XX/XXXX XXXX Bankruptcy Case Number : XXXX Please delete from my account immediately. 



I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 I started filing disputes with Credit Bureaus about the information that is being reported on my credit report. I have not heard or receive a response from the Credit Bureaus. Since then I still I sent more letters and still have not received a response. The three credit bureaus are Equifax, XXXX, and XXXX. I have sent them documents show that the information was not correct. They haven't verified the information or sent response.
Consumer complaint received 2021-02-27
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. (CO)

To whom it may concern, I have sent two letters to each of the bureau which have not been responded to in over 60 days. I requested incorrect information be removed from my report. I also filed a CFPB complaint and the company has still not removed the information. This company is reporting fradulent and inaccurate information.

Under the Fair Right Reporting Act, I have the right to dispute incomplete or inaccurate information.

After reviewing my credit report. I feel i might be susceptible to identity fraud. The bureaus are reporting addresses that have never belonged to me.

My one and only ADDRESS IS XXXX XXXX XXXX XXXX, XXXX Co, XXXX PLEAS REMOVE ALL OTHERS. They are undeliverable or fradulent. 

My one and only name is XXXX XXXX XXXX, please remove all others. 


My date of birth is XXXX, please remove all others. 

I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE I HAVE NEVER LIVED AT XXXX XXXX XXXX PLEASE REMOVE. 
I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE. 

I AM DEMANDING ALL FRADULENT INFORMATION BE REMOVED FROM MY REPORT. 

I have attached proof that incorrect information is being reported and i have also attached my social security card and a bank statement as identification and proof of address.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

This notice is to inform the CFPB and your office that you are reporting invalidated information on my credit file. In respects to the Fair Debt Collection Practices Act, The violations are as follows ; Purchasing and parking a junk account which is currently on fraud alert. 
Illegally re-aging the account by almost five years, in order to keep it on my credit file for a longer period of time. 
Willfully ignoring a cease and desist order. 
Your actions constitute fraud under both federal and state laws.Your lies and fraudulent ways of conducting business have caused significant harm to my mode of living. 
If this invalid item continues to be reported on any of my credit files by your company, I will not hesitate in bringing legal action and seeking maximum remedy against your company for attempting to plunder and defame my character. 
I am sure your legal staff will agree that non-compliance will put your company in serious legal trouble with the Federal Trade Commission and other state or federal agencies. 
If your offices are able to provide the following documents Agreement with the party that authorizes you to collect on this alleged debt. 
The legal order from a judicial court. 
An agreement with your company bearing my signature stating my legal obligation to pay this alleged debt. 
Valid copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. 
Proof that the statues of limitations has not expired. 
Complete payment history along with an accounting of the debt and all additional charges being accessed. 
Proof that you are licensed to do business in the state of Texas. 
Your license number and registered agent. 
Identification number of the state ID used to obtain the alleged line credit. 
The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file. 
By notifying you of my Notice of understanding and claim of right, I have thereby notified all applicable agents.
Consumer complaint received 2020-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo employees stole my ID and applied for loans in my name from the SBA and open accounts at their facility. I was forced to freeze my account and cards. Wells Fargo refused to contact the credit bureau to remove the inquiry from my report.

This has prevented me from using my accounts to buy gas or opening any other credit