davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OR)

EQUIFAX : YOUR FRAUDULENT YOUR SELF! First your responsable for my Data Breech, Then youll open a dispute 1 day and not even give the dispute process a chance and youll close it the next. XXXX : 2 fraudulent accounts with you. XXXX XXXX it was closed but now its back open, cant do that its ILLEGAL. Another with you XXXX XXXX. XXXX open in XXXX was closed, XXXX open XXXX closed. But look there, its open again. Ive been victimized by someone or people that have opened banks, credit cards, cell phones, addresses, phone numbers, revolving credit, inquiries, y information is on the Dark Web. As late as XX/XX/XXXX. Someone is ruining my life and continuing on to try. 29+ accounts including bank accounts.EQUIFAX these inquiries ARE NOT MINE. Im fixing not ruining. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO I almost forgot, for you XXXX XXXX XXXX XXXX opened XX/XX/XXXX Acct # beginning with the first 6 numbers is all Im provided with, XXXX closed on XX/XX/XXXX for the amount of {$530.00}, Wards, opened XX/XX/XXXX closed XX/XX/XXXX with the amount owing of {$120.00}, and last but not least XXXX XXXX opened on XX/XX/XXXX closed on XX/XX/XXXX with a balance of {$1000.00} all 3 of you companies will be getting thee notification that, and it gives me pleasure, all 3 were closed due to fraudulent charges! TAKE OFF MY CREDIT REPORT! Already. XXXX!!!! XXXX!!!! Do I have your attention, the inquiries are not mine, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I have ALL my reports LOCKED HOW ARE THEY STILL GETTING IN FILE?????
Consumer complaint received 2022-06-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

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. 



XXXX Name : XXXX, XXXX, M ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX EMPLOYER : RETIRED BXXXX XXXXXXXX XXXX RETIRED XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX  Collections : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXXXXXX XX/XX/XXXX RETIRED XX/XX/XXXX XXXX XXXX RETIRED Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Colections XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NAME XXXX XXXX A XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2021 TransUnion was sent disputes which they received and signed for with tracking number XXXX at XXXX XXXX  and they never responded to those disputes. The disputes were sent out via certified mail yet again on XX/XX/2021 with tracking number XXXX at XXXX and I have yet to receive notification of dispute, let alone any results. Both sets of disputes are beyond the allotted timeframe thats required even if I considered the pandemic results time frame. That is ground for automatic deletion and violation according to FCRA. I would like every negative item removed immediately. And I would like to be compensated {$5000.00} from TransUnion for violating my rights and contingency to report inaccurate information causing me to be denied credit. I would like this update in 7 days.
Consumer complaint received 2021-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I received a phone after being online looking for personal loans. A guy said I was approved For XXXX and that they would just need to help me raise my credit score a little bit so the said they were going to deposit money in my acct I needed to return it right away so it looked like I was making a Payment before it was due. They said their name was freedom plus loan and that to get just deposited money into my account that I need to it right back right away. My bank showed a deposit and later I did covered the deposited that were made were not from that XXXX XXXX did cause the guy called my bank made claims and it was a credit towards the claims. I tried to reach back out to the number they were talking to me on and no response.
Consumer complaint received 2021-07-12
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: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union is refusing to help me regarding an overcharge for an XXXX XXXX XXXX 
XXXX, without my knowledge, consent, or even attempt to inform me, increased a rate that I had been paying for approx 7 months by XXXX the amount. After reaching out to XXXX several times and threatening a charge back, XXXX finally said they would adjust the charges. However, they did not provide the adequate refund, and still charged me approx {$400.00} too much, even after refunding a little over $ XXXX. As promised, I began the charge back process seeking the additional amount ( wasn't trying to get a reversal on the full amount, just the overpayment amount ). Because I was never even informed of, and obviously did not authorize ( no signed contract ) these charges, when NFCU asked for documentation to support my case, I told them I had none because how can I possibly have a copy of a contract that I did not sign?? NFCU refused to help me and even after contacting NFCU a second time, refused to help me. The following quote was my second contact attempt to NFCU, which they replied with a denial to help me. 

" You guys closed this dispute because I " did not provide documentation '', but I clearly stated that I did not sign a contract, so how would I have documentation of something I did not agree to??? I stated that if you requested a signed contract from the merchant, that they would not be able to provide one, since I did not sign one, so you guys turned around and asked me instead??? That literally makes no sense at all. This needs to be resolved ASAP, or I will be forced to contact the Consumer Financial Protection Bureau. ''
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (GA)

I was initially preapproved with Lennar Mortgage. I was given communication stating that I needed to payoff debt in order to bring my Debt to Income in line and I would be able to close. However once I paid off $ XXXX in debt I was still told that I wasnt fully approved. I was told that I would be refunded my {$7500.00} earnest money and after three weeks of terminating my contract I havent received my earnest money back. I am concerned with the misleading sales tactics by the home loan consultants and them not providing the sales contract addendum disclosures. This was obviously a tactic used to hide additional fees being charged by the builder and unethical business practices. I am also disappointed in the poor communication and delay in refund of my earnest money. I feel that I was XXXX because of my XXXX.
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2023-07-21
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX To Whom it may Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on different credit reporting agencies for my consumer portfolio service account. 

Its showing XXXX  days late but I have documentation of payment with confirmation number below are XXXX  months of payments. 
XXXX XXXX {$270.00} XXXXXXXX XXXX confirm # XXXX XXXX XXXX. {$270.00} confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX  Confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXAm confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX  XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$310.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX I made a mistake in allowing automatic payments which the system didnt pull t I want you to know that I understand my financial obligations, and if it werent for fighting XXXX XXXX and got overwhelmed with everything, I do know that the automatic payment didnt pull the XXXX payment and I noticed XXXX  days after and paid it. I paid XXXX  in XXXX as well to get ahead. If I paid on XX/XX/XXXX than it shouldnt be on my record saying Im XXXX  days late. I have all documentation showing pay dates. I was never late more than XXXX  days as it shows. 

My request is I am promised accuracy in my report based on federal law. I am making this cause an attempt to have these errors corrected on my consumer report under 15 USC 1681. All verified information must be promptly removed. As you can see in your system, you did not verify this information and validate it, so I request that you remove it. 

Thank you for your consideration
Consumer complaint received 2021-07-12
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. (VA)

According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2021-07-12
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: TD BANK US HOLDING COMPANY (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P. (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-07-12
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. (SC)

XXXX XXXX sent a loan offer via live check through the mail for a {$69000.00} loan around XX/XX/2016. According to my bank account records, that loan was accepted and check deposited on XXXX. The terms were most likely for 12 months at a ridiculous APR based on the rule of XXXX installment loan repayment model. My bank documents and check register show I paid {$100.00} on XXXX, {$100.00} on XXXX, and to pay off the loan in full early paid {$590.00} on XXXX. Instead of applying the last payment to pay account in full, XXXX XXXX used that payment to apply monthly payments for several months fo which I received no statements of any kind. And after the funds I paid were used to their benefit, they began to call and even come by my home requesting payment. I went to the business and spoke with the supervisor at the time and even called the headquarters in my area to dispute their request for more payments. I had to threaten to take the issue to a higher financial or business authority. After all was said and done, I DID NOT PAY ADDITIONAL FUNDS AND MY ACCOUNT WAS MARKED PAID IN FULL. I just found out recently that XXXX XXXX reported my account as a delinquency of 60 plus days to TansUnion. I disputed the information with TransUnion and their " investigation '' claimed the information was accurate. I vehemently deny any reportable delinquency for this aged account and would like it removed from my credit report.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CA)

I have been a " loyal '' American Express cardholder for over 30 years. As far back as I can remember, I have a flawless payment history. The latest humiliation/discrimination regards covid-19 relief. This allows members to postpone payment without penalty. I was hospitalized earlier this year due to Covid 19 and have had financial challenges since. I did use the benefit once since then but did make my payment as promised. Because of continued hardship, I was unable to make my payment on time. I requested an extension per the relief offered to all American Express members. It was denied but I was told I still had until XX/XX/XXXX to make payment without penalty. I can and will keep my word. However, when I asked why I am being denied ( please remember I have been a " loyal member '' for over 30 years with a flawless payment history, their agent in the finance department could not answer. He then attempted to get further information from his supervisor but it was denied. No further information was provided. All I could get was apologies but absolutely no information as to why the benefit for which I paid a large annual fee was denied. Again, given my very long history with American Express and an excellent payment history, I was denied a benefit provided to all members. I feel that I a being singled out or penalized and what is worse is, no one will tell me why. In XX/XX/XXXX, I used my card extensively and still paid my bill in full and on time. Their response was to lower my available credit. They wanted to confirm my income. I provided it and it was still not enough reason to restore my credit line. I do not know why this is happening but I am very offended. I feel discriminated against and I am not even able to defend myself or rectify the matter - if any. I am no longer happy with American Express. If, after enduring all these years, and going through Covid 19 are not reason enough. to be a proper member of this " club '' then they do not need my business and I shall let everyone know of my trauma. This is a trauma because every time I have needed my American Express, at the most inopportune times, they have let me down. I no longer believe in their " Don't leave home without it '' motto. It is misleading and they don't provide their services as offered.
Consumer complaint received 2021-07-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Help, Help, Help. 

The TransUnion Credit Bureau Company insists on ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today on XX/XX/2021, that the TransUnion Credit Bureau Company on XX/XX/2021 had lowered my score. The reason is that I have too many delinquent or derogatory accounts. 

I do not have any derogatory accounts ; I repeat, I do not have any delinquent accounts. 

No other Credit Bureau Company has lowered my score. In fact, they received a letter from the Mortgage Company " XXXX, '' and they immediately updated their systems, and my accounts with them do not show any delinquency or Derogatory. 

I am attaching all the official letters for the investigation. 

I worked hard all my life to maintain a good credit score and to have an excellent credit report.

TransUnion Company must stop building its decisions on false information. The company has to change back my score and report to where they used to be.
Consumer complaint received 2021-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CO)

XXXX buyer reported my sold item and ebay charged my account XXXX for an XXXX  i sold in perfect conditions to buyer and he recieved it at right address.I never got my XXXX  back and they want to make me oay for something i sold correctly it isnt fair and i dont think this charge is correct. Please help. Thanks.
Consumer complaint received 2021-07-11
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: EQUIFAX, INC. (MN)

My XXXX XXXX XXXX  Visa Credit Card : XXXX is lost/stolen. All of the transactions listed from XX/XX/2021 to XX/XX/2021 for {$400.00} is all fraudulent charges and transactions. My card is lost/stolen with fraudulent transactions.
Consumer complaint received 2021-07-11
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: Experian Information Solutions Inc. (TN)

I filed a dispute with Experian on XX/XX/2020 about a fraudulent account ( XXXX XXXX XXXX XXXX ) and on XXXX XXXX I was notified that this item was deleted and blocked from credit report. In XX/XX/2020 this items reinserted but onto my credit report. According to the FCRA requirement Section 611 ( A ) ( 5 ) ( B ) ( II ) the agency is required to notify me of the reinsertion in writing within 5 business days. I received no such notification at all of this reinsertion. So the Credit Agency ( Experian ) is in direct violation of the FCRA.