davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

1. The following personal information is incorrect XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report. 
. 
The following personal information is incorrect XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-02-04
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX {$14000.00} XXXX  XXXX {$1300.00}
Consumer complaint received 2023-05-31
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: Resurgent Capital Services L.P. (FL)

I recently got a copy of the credit report from annual credit and noticed a fraudulent account reporting on my credit file. I contacted LVNV and told them that this account is not mine, and they still haven't fixed the problem. I will be taking this to litigation and requesting monetary compensation because this has caused me stress and anxiety from all the threatening letters received from LVNV. This account is still reporting on my XXXX credit file.
Consumer complaint received 2022-02-04
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 I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

XXXX5 U.SC. 1681 SECTION 602 A. States I have right to privacy 15 U.S.C 1681 SECTION A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Without The prior consent of the consumer given direclty to the debt collector or the express permission of a count of competent jursidiction, a debt collector may not commincate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-02-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I started the loan application process for a loan. I closed on the property on the XX/XX/XXXX. The drama that ensued in that time period was monumental. I will indicate a few things in this drama. The loan officer was so incompetent. I had to restart the loan application process 3x because he wasn't able to find the application online. Due to his incompetence it delayed my closing date and this causing me to live in a one room shabby motel with my family for three weeks! Also because he never looked closely over my application he missed that I had a forclosure. The application for the conventional loan was now null and void. I had to reapply for a FHA loan, which also had points, so my loan was larger and I was in a loan with XXXX. If I had known I was going to be in a FHA loan I would have waited to apply for a loan after my seventh year which was in XXXX. Unfortunately by the time the discovery was found my offer for a home was accepted and I also agreed to put down {$10000.00} on the home, if I didnt go through with deal I would lose the money.No apologies from him. Just recently long after closing on the house and moving in, he asked if we had a document that we sent him a long time ago to provide him with because once again he misplaced something from my file. Today XX/XX/XXXX I got a letter dated XX/XX/XXXX from the bank that they don't have any proof of home insurance, which once again I provided to him on XXXX lack of customer service across the board with Santander Bank is truly unbelievable. I regret with everything in my heart I applied to this bank. I've had enough with Santander Bank 's incompetence in particular this Loan office.
Consumer complaint received 2023-06-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

I CHECKED MY CREDIT REPORT AND NOTICED I HAD AN UNAUTHORIZED COLLECTION FROM CCS CREDIT COLLECTION WITH ACCT NUMBER : XXXX OPENED IN XX/XX/XXXX FOR {$130.00} ON XXXX AND ACCT NUMBER : XXXX OPENED IN XX/XX/XXXX FOR {$120.00} ON XXXX THAT I DO NOT RECOGNIZE. I BELIEVE SOMEONE MAY HAVE APPLIED FOR SOME THINGS IN MY NAME AS FRAUDULENT. I WOULD ALSO LIKE THE FOLLOWING INQUIRIES REMOVED FROM XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: DISCOVER BANK (NY)

A fraudulent transaction was reported to Discover card on XX/XX/2022. 
In an email from Discover on XX/XX/2022, at XXXX AM EST : " Based on our recent conversation about unrecognized activity on your account ending in XXXX, we've opened a fraud dispute to review your case. No further action is required of you as it relates to the review at this time. We will contact you if we need any other information during our review. '' On XX/XX/2022, a second transaction was made on the same account for an amount of {$1800.00}. XXXX purchases were acquired using the stored account created on the same date, XX/XX/2022, at XXXX pm EST. The transaction was approved by Discover on XX/XX/2022. 
The cardholder of the card was not notified about the second transaction. 
Furthermore, the merchant ( " XXXX XXXX '' ) was not requested to cancel the delivery, and XXXX packages were picked up by an unknown person on XX/XX/XXXX, at a site location different from the shipping address. 
Discover is now requesting payment for the unauthorized transaction from the cardholder.
Consumer complaint received 2023-05-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO. (ND)

Surrendered the car to Ford Motor Credit Company in XXXX  in XXXX. I was incarcerated and jail in XX/XX/XXXX until XXXX, never heard from them. Now, I live in XXXX XXXX haven't heard from them until XX/XX/XXXX. The original amount was {$9000.00} and now they want me to pay the amount of XXXX, they have a lean on my house and they are trying to garnish my wages. The XXXX Law Firm in XXXX is handling the case now. I have asked the original documents but they can not provide it and I thought it was a scam because it's been over 30 years.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened my account on or around XX/XX/XXXX. The promotional offer ( XXXX ) was successfully attached to my account. I received the requisite {$500.00} payroll deposits ( 2 of them ). However, when I withdrew my balance entirely to cover a bill, it seems that deemed me ineligible for the offer and that my account can't be checked for re-eligibility even though I now have a positive balance of {$500.00}.

In the offer details, it does not state anywhere that an account can not be checked for eligibility. It simply states : Earn {$400.00} for opening a new Truist One Checking account from XX/XX/XXXX through XX/XX/XXXX and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening.

I have also not met any of the qualifications for account forfeiture as deemed in the offer : Reward forfeiture will occur if : ( 1 ) the checking account is changed to an account type not included in this client offer, ( 2 ) the checking account is closed prior to the reward being processed, or ( 3 ) the new checking account has a negative available balance at the time of qualification validation.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

I am a cardholder with American Express for 12 years. My account has always been fully paid during that time and there have been no previous issues. Out of the blue, I get an email from them that my account is under financial review and that they will cancel it if I do n't respond within several days. There was no prior warning before this email. They also put an immediate hold on our cards, again without warning or explanation, for the length of the review process, which I was later informed could take up to 7 days. So in essence, no credit card use for up to 7 days without warning on a fully paid account in good standing. They also would provide no details about why the review was taking place, why it had to happen now and not at a time of mutual convenience, or why the card could n't be used during the review process. I was able to negotiate an " allowance '' to use the card up to a certain dollar amount, but the representative was very clear that this was unusual and normally the account would be totally locked until the process was complete. The call also took up an hour of my work day, between trying to get information from them that they would n't provide, insisting that they clearly explain the review process and its consequences ( which they would not do ), and answering their financial review questions over the phone. This does not include time spent filing papers with them to support the information I gave them. Again, all this would be potentially be normal if there was some warning, if the account remained useable, and if a reasonable timeframe were provided. As it is, I was under threat of losing my card if I did n't respond ASAP and the card was locked until I responded and until they confirm my information with the IRS. If I had been traveling or the like, all this would have happened without warning and without any opportunity to fix it. They seemed totally unconcerned with the idea that this practice could put their cardholders in serious jeopardy, not to mention the intense inconvenience. To reiterate, I am with American Express for 12 years without issue and they consider this type of action to be completely within their rights. 

Last point - Amex claims to have tried to reach me by phone before sending the attached email. No phone call or message was received by me or anyone else on the account. Even so, the lock was placed on the account at the beginning of the review process, irrespective of the phone calls.
Consumer complaint received 2015-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I requested a XXXX month payment history and it has not been processed yet. I am refinancing my loan through a VA lender and they required the information by XXXX XXXX. The request was made XXXX XXXX
Consumer complaint received 2020-05-04
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. (TX)

ALL FTC VIOALTIONS ATTACHED AND FILED TO THE FTC ABILITY RECOVERY SERVICEDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXXXXXX XXXXDispute XXXX XXXX XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute Show 5 More Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 47 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 21 accounts, 17 potentially negative View All Inquiries show tooltip button For AccountsBy Employers 23 hard inquiries Not Disputable Online. Details Public Records show tooltip button Bankruptcies No public records reported
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA (FL)

I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. 
My loans were recently transferred from XXXX XXXX to Mohela. 
I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. 
How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. 
The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. 
I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at Mohela to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. 
This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2016-08-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (DC)

I am requesting that Midland Credit Management/Midland Funding, LLC be removed from my credit report with all three credit reporting agencies for violation of the FDCPA. I have submitted a prior complaint. I have requested that they validate a debt they alleged that I owe and received no response for over a year. 

They sent me a letter dated XXXX XXXX, XXXX, which violated Section 1692g because it did not clearly state that they were attempting to collect a debt and that I had the right to dispute the debt in writing within 30 days. Futhermore, the format of the letter and language used overshadowed the purpose of the letter to collect a debt after proper validation. I do recall speaking with someone to request validation of this debt, but never received any documentation to validate the debt. Instead, I received harassing phone calls which eventually stopped. Unfortunately, I was not aware they were breaking any laws and did not submit a complaint at that time. 

After being made aware of my rights, I did send a written certified request to Midland on XXXX XXXX, XXXX requesting validation of the alleged debt. The letter was received by Midland on XXXX XXXX, XXXX. Shortly after, I received a phone call from a representative from Midland, after I requested that they only contact me via USPS. I filed a complaint with CFPB on XXXX XXXX. In their response they attached statements of the debt that they alleged that I owe. However, they have never provided this information to me via USPS or provided documentation that they have a contractual agreement with the original debtor to collect this alleged debt. 

I contacted Midland again, via certified letter on XXXX XXXX, XXXX to request validity of this debt and offered to settle this alleged debt if they agreed to remove it from my credit report with all XXXX reporting agencies. To date, I still have not received validation of this account to my satisfaction. 

Upon reviewing my credit reports, this account was removed from my XXXX and XXXX reports between XXXX XXXX - XXXX, XXXX and added back. The information that they are reporting to the credit bureaus are inconsistent and I am requesting they remove all information of this debt from all XXXX of my credit reports. 

I have placed a dispute with XXXX to remove information from my account as they are listed as the original lender with a date assigned as XXXX XXXX. I do not have contractual agreement with them as a creditor and want it permanently removed. I am also disputing my XXXX and XXXX accounts as I have not been supplied with any evidence that the alleged debt was sold or assigned to Midland to collect from me. 

I am requesting that Midland remove this account from my credit report with all three reporting agencies and agree to close this account and not sell it to any other collectors.
Consumer complaint received 2016-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (CA)

I recently had a hard pull from ACS Educational Services , Inc. on my credit report. I am not familiar with ACS Educational Services. I did recently apply for a Direct PLUS loan from XXXX, however I noticed ACS is not a Direct servicer. I tried to call ACS but they only accept calls from current customers, which the system stated I was not. I have filed with the Ombudsman at XXXX as well, but I wanted to file a report here because my grad school financial aid has never heard of ACS Educational Services , Inc. and was not able to verify if they were a Department of Education contractor or not. I am not sure if that hard pull is related to the Direct loan or not.