davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
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. (LA)

This XXXX XXXX account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted XXXX XXXX to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all three credit reporting agency 's and report the information back to XXXX XXXX directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from XXXX XXXX as well as the third party collection agency. The collection agency never reported anything to XXXX XXXX, not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted XXXX XXXX directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with XXXX XXXX to resolve this issue however I have been unsuccessful in doing so. I also requested that XXXX XXXX provide any signed contract documents proving this account was opened by me which I have not received, in doing this XXXX XXXX has violate the FCRA. I have also submitted request to all three credit reporting agency 's for verification ( signed documents ) of debt which XXXX XXXX did not provide to Equifax, XXXX or XXXX nor myself ... however its still reporting on all three of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and XXXX XXXX to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>
Thank You
Consumer complaint received 2017-06-06
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. (VA)

In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2017-06-07
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. (LA)

This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all   XXXX   credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all  XXXX  credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX , Transunion or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>  Thank You
Consumer complaint received 2017-06-06
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. (VA)

In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.
Consumer complaint received 2017-06-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NC)

Based on the information that was sent to me b y Ability Recovery Services, t he date of first delinquency was indicated as  XXXX   XXXX ,  XXXX . But the documentation sent and an email from the original collector indicates the date of delinquency in  XXXX .
Consumer complaint received 2017-06-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (TX)

So, I refinanced with Pacific Union Financial back in XXXX XXXX 2017.  Never have been late. Have done everything they have asked me to do. Have provided everything they have asked for. On XXXX17, I get a call, " sir, due an error by us, Pacific Union financial, we are going to take your present escrow ( up to date ) cash and pay the old escrow account. And you, sir, will be responsible to make up the difference for our mistake. '' Or words to that effect. I sent an email to the person who did my VA refinancing ( XXXX XXXX NMLS # XXXX Mortgage Consultant / Sr. Loan Officer Direct Line : XXXX Cell / Text : XXXX Toll Free : XXXX ) asking for clarification. Later in, In the shortest and simplest of way, I was told that although they made and acknowledged their error and mistake 5 months ago, they will raid the money from my new escrow account to cover for their mistake. Almost 6 months later. As I thought about it, I realized i had been told " We made a mistake months ago but it 's up to you to make up the difference of your new escrow account once we drain it so we can cover for our incompetency. I am a former XXXX. I also care for a XXXX XXXX XXXX  XXXX veteran. I work 2 jobs. I never asked for anything nor do I want anything, other than honesty and accountability. This error was n't discovered 2, 3, 4 not even 6 weeks after. It was almost 6 months later. And now all I get is a hollow excuse of " we totally messed up but you are going to get XXXX for OUR incompetence and lack of attention. '' i got a lot of " if this '', " if that '', justifying why I was going to get penalized in order to cover their mistake. 1-2 months after closing, I get it. But, after almost 6 months..?? How is that fair? I did nothing wrong and I have always complied with everything they asked and wanted from me.. A billion dollar company, yet, I have to cover for their mistake.
Consumer complaint received 2017-06-06
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)

I have had an ongoing issue with  XXXX  's credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my  XXXX  's card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.
Consumer complaint received 2017-06-06
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. (OH)

hi i been trying to work with Transunion for over a year now to have the poof that the information on a   XXXX   XXXX   account  XXXX  and  XXXX  bankruptcy,  s  chapter  XXXX  #  XXXX  chapter  XXXX  #  XXXX  are not mine and they have refused to show proof and all they have sent back to me is verified i have tryed to tell them that the accounts they have on file do not belong to myself and they will not take care of the issues so this is a complaint to please show the proof of this these accounts if you cant provide me the proof they need to be removed because one again they Do Not Belong To Myself the law states that if you can not show proof they must be removed from the report thank you
Consumer complaint received 2017-06-07
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: SYNCHRONY FINANCIAL (NY)

XXXX 's client XXXX XXXX is an identity theft victim. An account was opened with SYNC Bank/TJ Maxx with his information without his consent X/XX/2017 and a balance of {$1200.00} was established shortly after the account was opened. A formal dispute of this account was mailed, certified return receipt to SYNCB/TJ Maxx X/XX/2017 and was received and signed for. SYNCB never replied to our client concerning the status of the dispute ans as of today a credit report from XXXX shows the fraudulent account with the balance associated is still being reported. A second dispute of this account was sent to SYNCB/TJ Maxx. This is a clear violation of the FCRA and XXXX XXXX 's federal consumer rights.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: M&T BANK CORPORATION (PA)

I had an account wi th M & T Bank which  included a credit card that I never used. I went to my bank on  XXXX   XXXX ,  XXXX , PA  XXXX  and closed my account approximately 3 months ago. I was assured that it was closed with no balances due and the teller even offered to cut up my card, which she did. I have now received a call from a debt collector indicating a past due amount on the credit card. I also noticed that m y credit score recen tly took a dip and now suspect it was due to their action.
Consumer complaint received 2017-06-06
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: Experian Information Solutions Inc. (PA)

2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application.  my credit score was  effected.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (CA)

XXXX is the only credit bureau reporting Diversified Consultants Incorporated on my account. I had an outstanding balance with XXXX which I did n't receive notifications about because I moved. The bill amount was actually for the new tenant who moved in, but the larger issue was that this information was reported onto my credit report. <P/>DCI reported various balances, from $ XXXX- {$250.00}, so i disputed their reporting and went into a XXXX store to find out the true outstanding balance. I went into XXXX and was notified the balance was {$150.00}. In XXXX 2017 I paid the amount directly to XXXX in XXXX, CA and was assured the information would be removed from my credit report because my account had NOT been sold to DCI, and the collections portion was recalled because I paid. <P/>I pull my credit report in XXXX, and DCI was still reporting an outstanding collection. I sent DCI a copy of my receipt paid to XXXX, with a print out my account that also shows XXXX balance. A copy of the receipt was also sent to XXXX, XXXX and XXXX. XXXX and XXXX have removed the lines. <P/>My XXXX report states DCI is reporting a XXXX balance, but this information needs to be removed. DCI claims on XXXX that I paid them in XXXX 2017, this is false. DCI is reporting a Paid status, but this is inaccurate because I never paid them, I paid the original creditor directly, and is in direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NC)

I have been making payments to wellsfargo dealer services on behalf of my fiance. They contacted us on   XXXX   XXXX   ,2017 to i nform her that she was {$1900.00} behind and that she had four days to pay it off or it would be a charge off on her credit. However they sent us a statement that says the next payment isnt due until  XXXX   XXXX ,    2017. Sin ce that time I have made three more payments. So its not behind. We also pulled her credit to check and it shows her payments are current.
Consumer complaint received 2017-06-06
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: WELLS FARGO & COMPANY (VA)

In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted Wells Fargo AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.
Consumer complaint received 2017-06-06
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: Paypal Holdings, Inc (NY)

Someone on  XXXX  purchased my   XXXX   XXXX   XXXX   for {$1000.00} they sent me the payment on my PayPal prepaid card, I immediately emailed them the  XXXX  to Indonesia, it appears someone hacked into another persons paypal account to purchase my phone, since someone hacked into their system they do n't want to take the responsibility, so they are making me pay the {$1000.00} because I do n't have the tracking receipt, they are looking for an excuse, they also will not allow me to disconnect the link they have to my savings account and every couple days they try to take money out of my account for a refund to   XXXX   XXXX   for {$50.00} that they refuse to allow me to cancel transfer, they have caused me $   XXXX   days in overdraft fees to my savings account
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am writing to file a formal complaint against Equifax for failing to comply with my Fair Credit Reporting Act ( FCRA ) 605B request, which was submitted to them on XX/XX/year>. Equifaxs lack of action constitutes a violation of their obligations under the FCRA, specifically FCRA 617, which addresses civil liability for negligent noncompliance. Details of the Complaint : Request Submitted : XX/XX/year> Nature of Request : I submitted a request under FCRA 605B for the immediate blocking of certain fraudulent accounts, the removal of a fraudulent address, and the removal of fraudulent inquiries on my credit report as a result of identity theft. Noncompliance : Despite the requirement under FCRA 605B that Equifax to act within four ( 4 ) business days, they have failed to take any action to block or remove the aforementioned fraudulent items from my credit report. Violation of FCRA 617 : Equifaxs failure to comply with the requirements set forth in the FCRA is a clear instance of negligent noncompliance, as described in FCRA 617. This negligence has caused ongoing damage to my creditworthiness and financial reputation. Additional Reports Submitted : I have had to submit additional identity theft reports to request the removal of further fraudulent items. Supporting Documentation : I have attached the following documents for your review : A copy of the original identity theft reports filed with the FTC. A copy of the original letter submitted to Equifax on XX/XX/year>, outlining my FCRA 605B request. Copies of additional identity theft reports submitted to XXXX for the removal of further fraudulent items.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account is current. They reported that I was 30 days late for XXXX, XXXX, XXXX and XX/XX/2024. But their XXXX reporting isnt sent out till XXXX and my payment are current. This is an error needs to be fixed. My account should show it should never have shown 30 days late.