davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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. (NY)

XXXX, Experian & XXXX  is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent XXXX  dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian  ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter
Consumer complaint received 2020-03-26
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: Experian Information Solutions Inc. (AR)

XXXX XXXX, XXXX, XXXX, XXXX PULLED MY EXPERIAN WITHOUT PERMISSION. I HAVE CONSIDER FRAUDULENT.
Consumer complaint received 2020-03-26
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. (IL)

the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

XXXX XXXX XXXX XXXX keeps refuses to remove a debt of $ XXXX from my report after i have filed multiple disputes atating that this was due to identity theft. I have never had XXXX XXXX XXXX as a phone company.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n a XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XXXX Credit Report the same XXXX/XXXX was showing as a collection. 

I am filing a complain against TransUnion, XXXX  and XXXX  for improper reporting of this charge off on my XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XXXX credit report and four years later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, XXXX & XXXX XXXX
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

Credit Bureau Systems is reporting several accounts to my credit reports that are results of identity theft. I have contacted the company several times since XXXX when this started with police and court paperwork that clearly state these are not my accounts and they were opened fraudulently by someone else. That person even admitted to the opening of the accounts in XXXX and was ordered by the Judge to pay all of them, yet CBS has ignored all legal paperwork sent to them and still reported accounts they know are fraudulent for over the past 5 years.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

Some strange behaviors from multiple employees have been noticed from using Ally bank. ( 1 ) Check with lesser amount than the amount written on check was submitted and deposited at that lesser amount, despite the assured reviews and checks that are performed by automated systems and employees to correct the amount ( 2 ) It has failed a total of 3 possible interventions until 4th call was made. a ) automated/manual review that checks submitted amount against the value written on actual check, b ) secure messages sent from the website that Ally insists are always answered, c ) a call to inquire about the issue and put a case note, d ) a follow-up call to finalize after amount has been posted. ( 3 ) Check submitted with a higher amount than the amount written on check had its value successfully corrected, meaning the system is working. But not for earlier incident. ( 4 ) Mobile banking feature was used to try and send a large amount that was later cancelled. Other subsequent mobile banking transactions have successfully made through. ( 5 ) Weeks later, mobile banking feature was used to send a lower amount and has triggered a fraud alert. Upon calling abut the " Mobile banking lock '' and failing its security  checks, On XX/XX/XXXX, Ally went even further and suspended COMPLAINTANT 's entire account. Although it's understandable that someone could have impersonated the account holder, representatives at Ally couldn't give a clear explanation on why this wasn't triggered when a larger amount was involved. COMPLAINTANT uploaded/emailed photo ID, social security card and a utility bill per Ally 's request on this unfounded authentication check. On XXXX, Ally representatives denied to unlock the account as these documents did not have enough to support the unlock. Finally on XXXX, COMPLAINTANT had his account unlocked only using date-of-birth and social-security-number via the call with Ally representative. COMPLAINTANT is against puzzled as to why Ally did not ask those for those earlier. 
Yet do this day around XXXX, Ally is careless in handling XXXX payments in time. Ally can feel free to show that it takes days and weeks to process payments based on contacts that might have already received payments from the COMPLAINTANT in the past or were recently added. Ally has the right to process payments or retain security postures that it deems necessary, or even to refuse service to anyone ( as long as not based on gender/age/religion/nationality ), COMPLAINTANT would like to retain the right to assert that some/many/all employees of Ally have a bias against the COMPLAINTANT, thus require additional authentication that they not require onto others.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019, COMPLAINTANT had applied for one of Wells-Fargo 's credit card products using online and phone calls. It was denied with reason " Identity can't be verified '' and representative ( s ) recommended visiting local branches nearby to complete this application. However, an application using identical name/address/SSN was granted credit line ( cards delivered ) with a different bank or had identity verified for leasing other merchants ' services without having to visit a branch or run into " Identity can't be verified '' problem. COMPLAINTANT asks that Wells-Fargo look into how this has occurred, as other applications pertaining to credit reports processed through major credit bureaus usually do not produce such results. It seems like a possible internal error within Wells Fargo. Though COMPLAINTANT recognizes and acknowledges Wells-Fargo 's right to refuse to service to anyone for any reason ( as long as it doesn't pertain to discrimination based on age/religion/gender/nationality ), COMPLAINTANT will retain the assertion to describe Wells-Fargo employees as having bias against the COMPLAINTANT, thus required unnecessary authentication procedures beyond what's already available, something they do not require onto others. Wells-Fargo can feel free to show that other applications were also rejected and had asked those applicants to visit a local branch for something that can be done online ( on the same criteria used against the COMPLAINTANT to have him visit a local branch ).
Consumer complaint received 2020-03-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (CA)

I leased XXXX XXXX on XXXX. 
I paid {$2600.00} in down payment which includes the first-month lease amount. 
I entered all the details in their XXXX XXXX XXXX XXXX on the lease day correctly and I am attaching screenshot of it as well. 
I was expecting the first bill around XXXX. 
I haven't received it from Hyundai until XXXX. 
I called Hyundai salesman at the dealership who helped me getting the vehicle and he disconnected the call sending a text message " I will call you back ''. ( I have proof of the messages ). 
After a few days, I called him again to receive the same text message. 
I sent him a message explaining about the missing bill to explain the issue. 
After a few days, I called the dealership number and reached the finance team which went to the voice message system. 
This kept on happening and on XXXX, the car was repossessed from my apartment complex parking lot at the night. 
I thought the vehicle was stolen. 
I called Hyundai care to disable car movement if they can and they suggested to raise a police case and provide the case number. 
I went to the police station and they checked and told the vehicle was not stolen but repossessed. 
I called the Hyundai care again and told them about this and they gave number of recovery team. It is closed for Saturday and Sunday. 
Monday morning I called the recovery team and asked them I haven't received the bill and I was trying to reach the dealer and salesman but no help. 
They went through the records and found the mails sent to me were bounced back, they noted my email ID wrong. They were contacting my employer 's phone number which I don't have access to. I gave it when they asked for employer details. 
I haven't received any communication on how to pay. 
They told me I need to pay a {$370.00} repossession fee and a lot fee which came to {$210.00}. 
I asked to waive the fees because it was not my fault for not reaching the right number. I called my first point of contact ( Dealer ) and sales person at the dealer but no use. I have proof of the messages I sent to them. 
I pleaded them and left multiple voice messages to their manager XXXX XXXX but no use XXXX he never responded ). They know it is their fault but they say it is their process and I need to bear the {$600.00} for repossession charges. 

I created a complaint earlier " XXXX '' which was closed saying they reached me multiple times but the point is they tried to reach me on wrong phone number and wrong addresses which was not provided by me. 

I am attaching the screenshot of the details in Hyundai system where it shows the details are wrong. I have asked them to correct Home details which they updated. But before update, the Home, Billing and Garaging details are the same which are no where related to the details I provided in my documents.
Consumer complaint received 2020-03-25
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)

I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on XXXX XXXX, But Experian only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you
Consumer complaint received 2020-03-26
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. (NY)

XXXX, XXXX  & Transunion is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX  XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent Equifax dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter
Consumer complaint received 2020-03-26
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. (IL)

Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, XXXX, XXXX and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports Equifax and XXXX and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX  report : Date : XX/XX/2020 - Equifax Mtg Date : XX/XX/2020 - XXXX XXXX EQUIFAX report : Date : XX/XX/2020 - XXXX XXXX  Date : XX/XX/2020 - Equifax Mortgage Ser I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX ( EIN XXXX ) https : //www.ilsos.gov/uccsearch/searchindex.do I have 7 opened loans but in fact I have just 1 with XXXX currently I want to remove others
Consumer complaint received 2020-03-25
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
EXPERIAN : XXXX XXXX XXXX XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX  # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX  # XXXX {$4200.00} XXXX XXXX  # XXXX {$9400.00} XXXX/XXXX # XXXX {$6900.00} US DEPT OF EDXXXX # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00} XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX XXXX XXXX # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$4200.00} XXXX CARD # XXXX {$9400.00} XXXX/XXXX  # XXXX {$6900.00} US DEPT OF EDUCATIO # XXXX {$1000.00} US DEPT OF ECUATIO # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00}
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc. (KY)

GLA Collections has several debt listed on my credit report that do not belong to me. I have been notifying the company since XXXX, so yes ... 5 years of this nonsense that these accounts are fraudulent. in XXXX the person who committed these acts admitted to do so and the judge ordered all of these accounts as identity theft and to be removed. I have sent in that paperwork along with my police report that says the same thing over and over to this company ... yet they are still reporting all of these debts to the credit agencies.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (TX)

Requested LexisNexis report. They sent me a paper letter containing a web address and PIN. I went to the address and entered the PIN. The page reported that the PIN was invalid and said to call a phone number. I called the number and it wanted me to request anew report and start the process over.
Consumer complaint received 2020-03-26
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: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-03-26
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)

SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.