davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within XXXX business days of receipt. XXXX XXXX violated my consumer reports on XX/XX/scrub>/2024 without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (GA)

I have 8 student loans on my credit that have a late payment on them. The late payment according in XX/XX/2014. I was not notified of the bill until I tried to enroll in school for summer school. The bills where sent to my old school address along with the notification to my old school email. Either of which I had access too. I have called and disputed with both XXXX along with Navient with nothing coming from either. I have called Department of Education and they informed me that they will contact Navient to have the 90 removed from my credit since Im in good standings and have keep up with my loans since. Nothing is happening and it is making my credit look horrible because of the late payments. If it was one late payment Fine but its is 8 and I cant buy a house or a card without very high apr because of this.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NY)

Hi, I have a store credit card with XXXX by XXXX XXXX. 
The card was opened on XX/XX/XXXX. but approximately after six months ( XX/XX/XXXX ) there was a hard inquiry on my credit report.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (FL)

This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES XXXX XXXX AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.
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: EQUIFAX, INC. (CT)

It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX  on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXX processing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed.. 

This 30 day late and all comments on my credit reports for XXXX XXXX  needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.Transunion, XXXX, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : transunion-account resolution ( closed ) $ XXXX/XXXX XXXX XXXX  XXXX/XXXX XXXX $ XXXX.XXXX-account resolution $ XXXX/XXXX XXXX XXXX $ XXXX.XXXX-XXXX XXXX XXXX  $ XXXX/XXXX XXXX XXXX- $ XXXX/XXXX XXXX XXXX/XXXX- {$560.00} .
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, 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. (CA)

Equifax continues to report an account without a credit card name or creditor information and I do not recognize the death nor can I follow up to find out if it is accurate or in accurate. Course I believe it is in accurate and that no such account exists in my name and would like to see proof and name of original creditor along with valid proof that the account belongs to me. 

The FCRA requires such information be displayed correctly. This account does not display three of the four points required by law as of XX/XX/2017.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-04-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX-Initial Complaint regarding reporting to Equifax from XXXX. I called XXXX on Monday-XX/XX/XXXX and was informed they are a department of XXXX XXXX and to settle the dept I would have to contact firm utilized to settle dept XXXX XXXX XXXX-phone number XXXX, Paid settlement amount on Tuesday-XX/XX/XXXX in the XXXX with a debit card ; asked XXXX XXXX XXXX time frame for release of payment to XXXX ; was told it may be 30 days. I responded not possible the debit posted immediately. Called XXXX and spoke to Supervisor asked time frame they would receive information on payment ; would not give me a time frame and informed me they report to Equifax 1st or 2nd week of each Month. 

Problem : XXXX Representative did not have procedures as it relates to payment received from XXXX XXXX XXXX and no protocol as to when I should follow-up. The Supervisor was very evasive. There is no further need for and investigation ; there was untruth when XXXX  stated it sold the account to XXXX in XXXX ; XXXX is part of XXXX XXXX ; 3rd entity involved XXXX XXXX XXXX was told by XXXX any communication would come from XXXX XXXX XXXX letter of phone. Three different companies ; AND ... .It appears because I contacted you XXXX is punishing me by withholding report to Equifax . Looking to purchase condo this month. Equifax did give me back the 40 points taken when XXXX sowed up on report in XX/XX/XXXX. Spoke to Euaifax Representative told me to submit complaint would take 30 days ... ... This is unreal
Consumer complaint received 2018-04-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

In XX/XX/XXXX I got a loan from XXXX and was having the monies auto-draft from my account until my monies went from less than {$850.00} to more than {$2300.00} in XX/XX/XXXX. I was trying to get a lawyer to help me with this crazy increase for the 18months I had this load before I was advised to give it up, because the housing market was going crazy and no one had any answers. So, I let the house go into foreclosure. In XX/XX/XXXX, I received an application from the Virginia Attorney General telling me that I was owed my money back and I had to fill out this application and e-mail it back to them. I did this and have been waiting for my monies every sends. By XX/XX/XXXX, Virginia got XXXX XXXX dollars to refund monies back to people that lost there home from the loan scam and I didn't get a check. I called the Attorney General office and after no clear answers to my questions, I moved to XXXX to see what happen to my check. It wasn't until XX/XX/XXXX that some one at the Attorney General 's office informed me that XX/XX/XXXX participants was cut out of the deal between XXXX XXXX XXXX for the loan scams to pick-up loans from XX/XX/XXXX and up. I asked them where does that leaves me. No one had an answer at the time and told me to keep in touch to learn how XX/XX/XXXX was going to get compensated for their refund. I have done just that up until XX/XX/XXXX when the Attorney General allowed Lawyers to help out people that had not got their monies back. I contact a lawyer whom was referred to me by his daughter whom gave me his cell phone number in XX/XX/XXXX. He gave me his office number and ask me to make an appointment. I complied and after we met he ask me " XXXX what you going to do with all that money? '' I didn't reply because it was a bias question. He dismissed me and told me to call him the next day. I called him and he said that he was not going to take my case. So, I wrote to Washington D.C. to President Obama and ask for help. They sent me information to contact someone and they gave me the same lawyer. I contacted XXXX XXXX housing and they sent me to the same lawyer. I contacted the County of XXXX and they too gave me they same lawyer. For the last few years I have been trying to get someone to help me with my case and was told that that was the only lawyer around here that handle that kind of case.
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. (NY)

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of identity theft. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which mandates the removal of fraudulent accounts resulting from identity theft upon consumer request. 
The fraudulent inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (TX)

Regarding : Medical Bill For I mailed a Hippa Debt Validation letter to this company on XX/XX/XXXX and in return I received a letter dated on XX/XX/XXXX ONLY for two pages of my outpatient discharge claim. Which has all of my medical information on it and my medical procedure. I asked for the following documents below within 30 days and due to this company violating my HIPPA rights as a patient. The following below is what I asked for in writing to XXXX XXXX company listed below. It was not received within the 30 days which is a law by the FCRA and I demand this company no longer collect this debt. This company has tons of complaints and issues online for violating Hippa rights. Please Remove this debt ASAP from this company and send me correspondence at a timely manner. Listed below is all the information I requested from this company and was not sent to me. I have proof of the letter and also copies of everything. 
__________________________________________________________________________________ Validation of Debt and HIPAA authorization ( Items I requested in XXXX ) -Please provide breakdown of ALL fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you a collection agency -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt In 30 days due to the FCRA Law. I did not give this company authority to have my medical records from my XXXX.
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MO)

The insurance company XXXX ( XXXX XXXX XXXX , XXXX ) advised that the claim was filed and they requested numerous times from the hospital additional information that they did not receive to process the claim. The Hospital ( XXXX XXXX ) states that the insurance company needed a medical release form for any pre-existing medical condition from me and that was holding up the processing of the claim. The insurance company was provided a medical release from me when I purchased the insurance policy to review any pre-existing conditions and they never requested from me an additional medical release so that information is untrue. The hospital turned the debt over to Transworld Systems Inc., who has never contacted me only reported it my credit report the incorrect dates for services and amounts and I have contacted them several times about this and they advised that XXXX XXXX has confirmed that they have the correct dates and amounts which is untrue. When I contacted XXXX XXXX they gave me different dates and amounts which I have recorded. Additionally, in one of my most recent telephone conferences with XXXX XXXX I was advised by a billing supervisor that they claim was not filed correctly and that this account would be wrote off their books. The hospital also filed the claim with XXXX XXXX and XXXX XXXX insurance companies neither of which I had medical insurance with. The dates I was in admitted for observation are XX/XX/XXXX and XX/XX/XXXX. The billing statement sent to me from XXXX just a couple weeks ago shows billing charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which are incorrect. The collection agency has the amount of XXXX to be collected on my credit report and the hospital is stating that I owe XXXX that include charges for dates that I was not even in the hospital and the year as XX/XX/XXXX not XX/XX/XXXX. I have tried several times to get this matter corrected and neither the hospital, the insurance company nor the collection agency are willing to help. I advised them that I would be filing complaints with the Missouri Attorney General 's office, the FTC and the XXXX XXXX XXXX. The billing supervisor at the hospital advised me that I should also file a complaint with the state health medical insurance agency also and laughed. This is almost 6 years old and I am tired of fighting with the hospital, insurance company and collection agency. They know what they are doing is wrong.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

lease remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.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 XXXXXX/XX/XXXX - Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/18, I logged into my USAA mobile app and noticed several unauthorized transactions that were made in different cities in the state of Texas. I currently reside in XXXX, TX. 

On XX/XX/18, my card was used at a XXXX in XXXX, TX, in the amount of {$1.00}. It was used again, on XX/XX/18, at XXXX XXXX XXXX in XXXX XXXX, TX for {$15.00}, and again at XXXX XXXX XXXX XXXX XXXX in TX for {$16.00} On XX/XX/2018 two purchases were made. 1 ) XXXX XXXX XXXX for {$580.00} 2 ) XXXX  XXXX for {$1000.00}. 

After a " full review '' from USAA, it was determined that the charges are valid. I might add that this process was concluded in one business day. That hardly seems sufficient. 

Furthermore, USAA states the transaction were made close to my home. After personally reviewing, I determined that to be false. The aforementioned transactions occurred well over 200 miles from my home. USAA also cites my USAA mobile app was used while the fraud was in progress. To date, they have been unable to provide me proof. 

Nevertheless, I cooperated fully with USAA and filed a police report. To date, my case with USAA remains closed, and I have been unable to reach anyone. I have left two voicemails at the extension provided, but have heard nary a word. As a consumer, I am not being afforded Zero Liability Fraud Protection. 

Coincidentally, my credit card at another financial instutation was used in XXXX XXXX, OK for {$180.00} on the same date ( s ) as the transaction ( s ) that occurred on my USAA account. I have submitted documentation to the email address USAA provided - XXXX - that went without a response. 

As a result, I am left without a significant sum of money and no clear answer from my bank - so much for protecting the cooperative.
Consumer complaint received 2018-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I was scammed by buying tickets from someone who knows how to work the XXXX system easily and my bank had 0 concern to correct this. This happened on XX/XX/18 at XXXX and I called the bank at XXXX to cancel the transaction- and they said there was nothing they could do. But to start from the beginning I transferred to a guy through XXXX. I use Wells Fargo, he uses XXXX XXXX XXXX. He gave me his name, email address and phone number ( which I have ). He said this was the service he was most comfortable with and we all could trust it since it was through the bank. Since I havent used it before and he gave me all the details and sounded like a decent gentleman, I wasnt that concerned with it. The transfer went through while I was on the phone with him. He said he was sending an email and then the call dropped and when I tried to call back I go no answer- so no tickets or anything. I was sure I could cancel thetransfet since it just went through but That wasnt the case. I called Wells Fargo and spoke to a number of ppl which led me to a lady named XXXX a supervisor over the fraud dept. went through all the infor for over an hour again and she said she had to look into it a little more and she would give me a call back that night. She never did, so the next day I called and went through the same process and this time they gave me XXXX XXXX, who was repeating the same thing over and over about why I shouldnt have done it- which I already knew. They had 0 concern for this guy that was scamming others nor do they keep track of when ppl call in regarding scammers. I found out this guy banks with XXXX  XXXX XXXX I filed a police report. And sounds like no one has any respect or concern for the issue. The way I was treated at Wells Fargo was shocking- I know this wasnt my smartest move but Ive banked with them for years and they dont hold any credibility over not warning us the charge will not be pending, and that have a system they are in network with that is perfect set up for scammers to defraud their clients and they have no regard for it they said I probably will not see that money again. Costumer service wasnt very good, it almost makes me want to change banks.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.