davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-10
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. (NY)

My information was exposed during the Equifax Data Breach. Shortly after being notified of us, I noticed 5 separate accounts listed on my XXXX, Equifax and XXXX reports which were the result of misuse of my sensitive personal information. I promptly filed an ID Theft Report ( including 3 separate police reports ) with these credit bureaus. The information was sent to Equifax using XXXX Tracking XXXX. Sent to XXXX using XXXX tracking XXXX. And sent to XXXX via XXXX XXXX Mail XXXX ( i do not have the tracking offhand ). In my identity theft report, it stated that these accounts were the result of the misuse of my sensitive personal information. I included a copy of my birth certificate, my New York State Issued ID, XXXX Card and proof of my address. I asked for these credit bureaus to block all of the fraudulent information from my credit reports. XXXX  complied almost immediately although all of the inquiries on my report are a result of fraud which they did not remove. I followed up with a letter with XXXX but have not heard back at this time. XXXX and Equifax removed one of the accounts but XXXX of them still remain. I am filing a complaint because I do not believe that anybody should have fraudulent information appear on their credit reports. It is not fair to anyone.
Consumer complaint received 2017-12-10
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. (TX)

dispute the information in the credit report. 
The letter they sent was to a postal address of a PO Box in Puerto Rico in which I no longer receive postal correspondence because I do not live in Puerto Rico. Currently, I am living in the state of Texas about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in Puerto Rico could not send me to Texas the letter from XXXX, because Puerto Rico for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.
Consumer complaint received 2024-09-11
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. (TX)

on XX/XX/2024 i notified the legal department of XXXX XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference
Consumer complaint received 2017-12-11
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: Convergent Resources, Inc. (GA)

XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XX/XX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XX/XX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I applied for a Bank of America XXXX XXXX with a XXXX percent promotion for 15 months. I clicked through their website and was approved for the card. Unfortunately, I was not told that I was n't approved for the advertised promotion. I 've since moved my medical bills to that card ( and made other purchases ) and am now paying interest on a card that is even now advertised as XXXX percent for the first 15 months! Feels like bait and switch.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX XXXX 2017, CommonWealth Financial Systems reported Four ( 4 ) new collection to the Credit Bureau 's at the amount of {$61.00}, {$1500.00},  {$110.00} and {$70.00}. 

CommonWealth is not valid to collect in the state of Florida and it also shows that company license is revoked /voided. 

I am requesting company to stop reporting to the Credit Bureau 's and also to remove/delete what have been reported. 

Collection Agency CommonWealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-12-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have visited XXXX XXXX ( on the last weekend to buy a new car from XXXX XXXX XXXX They had promised to charge interest rate@3.99 % on invoice price but the document mentions 3.99 % on all tax loaded price. And there was no agreement of down payment which is inserted in the final price financed as " Total Sale Price ''. 

I have completed loan application under financing through toyota finance but since it got late for the PDI inspection the delivery/ pick up is scheduled for Monday morning. 

Please advise us the options. Should we contest the anomaly in documentation? Are we under any legal bonding? Can we walk out on the agreement if we have not taken physical delivery of the car?
Consumer complaint received 2017-12-11
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. (IL)

Experian is showing 4 inquiries during the past two years in the credit information that it has provided to my bank when in fact there none. Attempts to correct that and other wrong information have failed. The company is the only one reporting that. In addition, it shows office buildings as my residences with variations and repetitions that I believe a designed to confuse people. It is listing names that are not mine!
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

We closed on our home with a BoA jumbo mortgage loan in XX/XX/XXXX. Approximately 6 months after our closing, the city sent us a notice saying that our taxes had not been paid. We contacted BoA and it was hard to get a hold of them. When we finally did get a hold of them, they assured us that they would take care of it. Now, 1.5 years after our closing, we received another notice from the city saying that our taxes are delinquent again. After speaking with the city tax assessor 's office, it seems that our taxes have never been paid in the last 1.5 years and our property is going up for auction if taxes are not paid by XX/XX/XXXX. 

We again contacted BoA, who assured us the payment would be sent by XX/XX/XXXX. They payment has not been received by the City Tax Assessor 's office. We received another document stating that our property will be going up for auction due to delinquent taxes.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I was on XXXX and capital one popped up as card recommended for me, in no shape way or form did I give them permission to run a hard inquiry on my credit. I did n't even apply for the company. I emailed and called and wo n't respond. 


Creditor Contact Details CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2017-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. (NY)

This company has repeatedly called my phone at least three times a day. I have had to block calls just to get them to stop. No messages left. Just keeps calling with the intent to harass and intimidate people. I looked up the number and found it was EGS Financial Care , Inc., also known as XXXX who has been sued multiple times for harassment by people. They even have called after XXXX at night. Again no message but looked up number and matched them.
Consumer complaint received 2017-12-10
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. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

This is a complaint against the department prevensin fraud credit card Costco, the reason for this is the lack of respect towards me and discrimination, for no reason have blocked my credit card and to check if I am the owner of the card. I have been asked a number of papers that have no problem in supply and in fact send by fax, and have called multiple times to see if it was reviewed your request, and just tell me XXXX we have not received anything yet. that brazenly tell me in my face liar. In view only tease me saying that you have not RECEIVED nothing and that in such case they how many days it takes not to receive and review them, reason that makes me go to this department to provide a complain to expedite this as pc they are a serious department. This is disrespectful because I met the card payments and have paid more in one month and I do not even want to increase the credit limit I have with them.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (FL)

XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. Ditech buys mortgage in XX/XX/XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & Ditech accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake Ditech refuses to correct.
Consumer complaint received 2017-12-11
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: Experian Information Solutions Inc. (OR)

Experian has claimed to have investigated a account that was reaged by the debt collection agency several times now, twice in the last 30 days, the second time I requested a dispute I included the invoice from XXXX that clearly shows the debt they are trying to collect is older then XXXX XXXX XXXX, and outside of statute of limitations both locally and federally. 

Experian claimed that the document I provided could not be used, even though it is the original statement that was provided to the debt collector from the original creditor, which the debt collector provided to me as proof that I owed the debt. 

Experian said they would have to contact the debt collector to verify the information I provided and would make a determination within 30 days. 

Experian once again said that the debt collector had satisfied to experian that the debt was valid and would remain on my report until XXXX, despite the fact that the original invoice provided to me by the debt collector clearly shows the debt XXXX is from XXXX, which is clear violation of the law. 

If experian has made such inquiries and claims that the debt collector has satisfied the validity of the debt, then clearly either the debt collector is illegally furnishing invoices with altered dates, or experian is not actually verify the validity of the debt, since the original invoice clearly without question shows the XXXX would have been in XXXX. 

As of writing this the results of the investigation page from experian is down, and I can not provide the reports
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

The company XXXX XXXX XXXX continues to file fraudulent inquiries on my credit report. I written a letter to the company directly informing them to stop reporting unauthorized inquires on my credit report and that it was against the law to do so. I have not gotten a replied to the certified letter that was mailed direct to XXXX XXXX XXXX here located in XXXX, Georgia. XXXX  XXXX XXXX has violated the law just recently again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This has been a unwarranted pattern and something needs to be done. This behavior is and has affected my credit with hard hits and negative blemishes. I am also filing a report on all levels because they are breaking the law.
Consumer complaint received 2024-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed.

Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Altisource Portfolio Solutions, S.à r.l. (IN)

COLLECTOR KEPT CALLING ME AT HOME AND CELL PHONE 11 TIMES AFTER CEASE AND DESIST COLLECTIONS DEALING WITH XXXX MYSELF ( SEEPAYMENTS ) AND VALIDATION I I FURNISH XXXX XXXX, XXXX. SEE CELL PHONE CALLER I.D..
Consumer complaint received 2017-12-01
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (PA)

I 've been requesting to change Income Based Repayment ( IBR ) to Pay As You Earn ( PAYE ) for federal student loan debt for months on end. I have been dealing with multiple representatives who have run me in circles faxing application forms and have been repeatedly told they were not received or they had other complications with them. Their solution at multiple steps was to go into a temporary forbearance and add to my interest while they took the time to get the applications completed. At this time I 've been on the phone with them and was told that they still have not been able to change my plan, that to do so I would need to make some sort of payment and go on a forbearance for a 3rd time until they can change me to a plan I can afford, which is estimated to be XXXX/XXXX/17. I 'm not sure at the moment how much interest has accrued over this long fight but my loans are over {$400000.00} total so I 'm sure it 's not a small sum and there seems to be no accountability on the other end of these dealings.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My mortgage was taken over by XXXX XXXX XXXX in 2015. When they took over they notified me that our previous lender, Bank of America, had not applied our payments to our loan for at least 2 years. Because I am under Chapter XXXX bankruptcy I am protected AND BOA sent me a statement each month showing payments were received and I was paid in full each month. So I reached out to BOA and they sent me my 2 year payment history - I 've looked through it and ca n't figure out where my payments were sent. BOA denies any fault however, XXXX XXXX refinanced my loan to catch the loan up and make up for the 2 years of missing payments. My problem is I ca n't get BOA to accept fault and tell me where my payments went. I 'm even considering getting a lawyer involved but I do n't want to if I do n't need to.
Consumer complaint received 2017-12-11
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: EQUIFAX, INC. (CA)

My original complaint was submitted in XX/XX/XXXX. Equifax, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived. 

I have been denied credit and housing because of this negative item as previously complained in XX/XX/XXXX.
Consumer complaint received 2017-12-10
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. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX