davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
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. (GA)

Bankruptcy removal I have been disputing with Transunion and XXXX about the information associated with my Bankruptcy Ch XXXX. Most recent disputes have been online as well as by phone XX/XX/XXXX/ XX/XX/XXXXand ongoing thru XX/XX/XXXX. The results have been the record has been updated but my dispute has been who furnished the information for the updated information? The US bankruptcy Court has notified me that the court does not furnish the record to credit agencies or third party agengies. I have ask for how and who verified the bankruptcy for accuracy but TransUnion and XXXX always reply with they verified through public record database provided by the court through XXXX or XXXX. Listed are the things that I have asked and begged for and they won't give the information to me. I recently sent a letter in writing asking for this information which I am entitled to after my original disputes my phone and online.

( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute FCRA, Section 609 ( a ) 2 ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

FCRA, Section 611, paragraph ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute.

Adding the public record also lacks name, address, full SSN or date of birth which is a minimum requirement according to NCAP.
Consumer complaint received 2018-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

My account was inaccurate an amount of XXXX was borrowed, for the XX/XX/XXXX-XX/XX/XXXX academic year yet ; certain amounts haven't been applied correctly, plus I need to continue to manage my own money. They've taken the authorization for granted ; especially being that had given non. I've received small checks when there was no enrollment, my tuition amounts keeps a flip flopping, and they keep charging me when it's already been paid for. And there was an approved XXXX dollar scholarship leaving me, with a " supposed '' debt XXXX what kind of institution does that?
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HOME FINANCE OF AMERICA (LA)

My problem is with Home Finance XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX this company requested my credit report without my permission on XX/XX/2018 that's not the worse they came to my house with saying they would have police come to my home I wasn't 10 day pass due. Then they called my sister-in-law about my payment I didn't use her as a reference.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX XXXX XXXX I was falsely accused of elder abuse by my grandfather. We bought a trailer together for his book tour, ( I helped him finance the trailer ) and when him and I got in a family dispute he called in a false abuse claim. USAA then put the entire responsibility of the loan on me, closed my accounts, and froze my money for 45 days. Then reported negative information to my credit report. Despite the fact that I sent documentation and had witnesses come forth and say the information was n't true. I was told by the agent that " it does n't matter what I provide, they will side with my grandfather ''. I have tried getting these issues fixed directly with the company ( who I was a member with for 5 years ), they are n't willing to talk to me. They also froze me out of all of my online accounts so I have no way to manage my two loans with them.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TN)

XXXX allowed multiple simultaneous fraudulent accounts to be opened using my social security number in XXXX. The accounts were opened under different names with different phone numbers and different addresses. The fraudulent XXXX accounts are # XXXX and # XXXX I was never notified of these fraudulent accounts until after the debts had been forwarded to Diversified Consultants who started to attempt to collect the debt by reporting these to the three main credit bureaus. My credit score dropped about 150 points which was the first time I became aware of false reporting on my credit reports for fraudulent accounts. I filed fraudulent account affidavits per the process through XXXX on XX/XX/XXXX. They have not closed the accounts nor stopped collection activities. I spoke with XXXX XXXX on XX/XX/XXXX from XXXX regarding these issues who said that they still required a copy of a police report and would not close these fraudulent accounts. I provided a police report number on the affidavit in addition to the other identification and proof of residency documentation. The affidavit form did not say that a police report was required to close this investigation. They are asking me to take a day off of work to go to XXXX public records to get a copy of a police report for them. I have completed all of the requested steps already to close these accounts. 

I would like the debt collection records removed from my credit reports by Diversified Consultants. I would like XXXX XXXX to stop collecting these fraudulent debts. I would like letters from both of these companies stating that they have stopped collection activities and removed debt collection records from my credit reports.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

I activated an authorized Discover credit card on XX/XX/2021. Following purchases, on XX/XX/XXXX, I received an email from Discover Financial Services requiring my consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on my account. I obliged the request, filled out the authorization form and submitted it within the allotted 5 days. Unbeknownst to me, the IRS has an old address ( assumed to be XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan XXXX ) on file that does not coincide with my current address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MI XXXX. Therefore, they would not grant Discover access to my records. As a result of this Discover apparently sent a request to me for my old addresses, which had already been provided to them in the past. The email requesting this information went to my spam folder and I never saw it. As a result of not receiving a response from me Discover Financial Services made an internal decision to close my card, that was communicated to me on XX/XX/2021, with a balance still on it. While I can not use the card, I can pay on the balance. This abrupt closing of my account has significantly negatively impacted my credit score by making it seem as though I am utilizing 155 % of my credit due to the balance of the card still being reported but it's status being closed. It's basically causing it to look as though I am using far more of my open credit than I actual have available, which significantly decreases my store.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA has made a practice of repeatedly reordering items to charge overdraft fees on my account. On XX/XX/XXXX, I had a {$29.00} charge to a store called XXXX XXXX leaving {$40.00} in the account. A pending debit charge for {$50.00} cleared on XX/XX/XXXX. USAA admitted it was the {$50.00} debit charge that was " pending '' on the XXXX that caused the available balance to be negative XXXX dollars on the XXXX. Because they are not allowed to charge overdraft fees on debit purchases because I have opted out of overdraft protection, they stated the {$29.00} ACH made the account negative, even though it came first and there was {$40.00} left in the account after that charge. They said that since the {$29.00} charge was the only charge that actually went through that day, thats the one they needed to charge the fee on. I said if the other charge didn't " actually go through '' until the XXXX, I shouldn't be charged any fee anyway because on the XXXX there was a deposit for {$280.00}, which more than covered it.
Consumer complaint received 2018-04-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (TX)

I was laid off and still trying to manage everything at the time my mortgage was {$820.00} rounded off. I was attempting to pay something every other week to stay on top of things. I was making my payments through the automated system until I was unable to do that so I then started calling in to make payments, some agents would take payment and some wouldn't take payment because it wasn't the whole amount. It's been a couple of things I find strange. 1. My mortgage went up and I didn't have a clue about it going up to {$940.00}, so everything that I had been paying was based on the {$820.00}. 2. I received a letter stating that an amount of {$3300.00} was due on XX/XX/XXXX. I called in concerning making a payment in XX/XX/XXXX, and of course, at this time no payments are being taken from me because the foreclosure process had started. Not only that I was told a completely different amount of the {$3300.00} that was in the letter, it was then {$6000.00} plus. I asked how did it go from {$3300.00} to {$6000.00} plus and never got an answer on that for me to understand why the letter stated one thing, and I was being told something else. I then asked about my options to see what could be done to save the house. I'm a little confused or don't completely understand the law about going through a modification process and being in foreclosure at the same time. My First sale date was XX/XX/XXXX, and now XX/XX/XXXX. It seems that we're spinning wheels now in this process because I'm being asked for the same documents over again that CitiMortgage has already requested and I provided to them. This request was made on XX/XX/XXXX, which I submitted to them through XXXX on XX/XX/XXXX. Based on the email from XX/XX/XXXX and a letter I received from CitiMortgage stated that the documents asked for in the email and the letter are the documents needed to determine the final decision. I received an email today stating that the file has been sent back for review, as well as two text messages on XX/XX/XXXX and XX/XX/XXXX stating that my application is with underwriting which can take 30 days and they will keep me advised.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I've been disputing 3 fraudulent inquiries on my Equifax credit report since XX/XX/2021 and one of the 3 inquiries remain ; the one from XXXX XXXX. I received a confirmation letter from Equifax stating that the 3 inquiries were deleted, however, one remains and Equifax refuses to remove it! 

Every time I call Equifax regarding this inquiry, the representatives always say, " well, it's coming off in a few months, in XXXX ( 2021. ) '' This inquiry was never supposed to be on my credit report! This inquiry needs to be removed IMMEDIATELY! 
I submitted another CFPB complaint against Equifax, who claimed to have mailed me a letter regarding their response ( to my complaint. ) I never received any correspondence from Equifax regarding this issue that's violating my consumer rights.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to request the immediate blocking and deletion of specific accounts on my credit report due to my status as a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts be blocked and deleted to prevent further unauthorized use of my personal information. 
Accounts to Be Blocked and Deleted 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (LA)

Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to Equifax multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LA XXXX XXXX XX/XX/1991 Date:XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX, XXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions. 

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX XXXX
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (MO)

I filed a dispute claim for unauthorized transaction on XX/XX/XXXX around XXXX for XXXX and a unauthorized transfer from my account to another party account on XX/XX/XXXX for {$250.00} dollars. The dispute claim sent me a message on XX/XX/XXXX saying they didnt find no errors made. So I had sent them over some documentation saying I was a victim of identity theft. So they sent over a message saying on XX/XX/XXXX there wasnt no declines for insufficient funds made, so I keep stating to them that the person who stole my identity was someone they was very close to me friend/ family member who knew I just received my tax refund. So of course someone close they knew how much to take off. And they also saying my pin wasnt changed prior after the transaction was made and I also explained to them that I didnt realize my funds was stolen until the next day when i realize someone around me had stolen my wallet. So thats when I called to check my balance and cancelled my card. Than comes XX/XX/XXXX when the transfer was made the same close person to me knew I issued a new card so they knew my account number and everything because my wallet had my social security number and everything inside so they made a transfer from out my account into my cousin NetSpend card because they stole his card as well, a mastermind when it came to taking my money. Basically XXXX XXXX NetSpend Prepaid XXXX dispute claim is calling me a liar and saying that I was the one who spent my funds and that Im not a victim of identity theft and its not fair to me nor my kids that I couldnt handle all my business because I came up short.