davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
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. (OH)

I requested METHOD OF VALIDATION from XXXX, TransUnion, XXXX for the following accounts and never received the requested information only automated VERIFICATION from an XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX   XXXX Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which  provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (DE)

NCAC Has placed a debt on my credit report of XXXX. I have never lived at this address, I do not know the person that it states I am on the account with and the address never appears on my credit reports. XXXX  will not let me dispute this again, i keep trying to have it removed from my credit report and would like this addressed. 

The other name listed on the debt, I have never met this person and have lived in another state for the entire length of time that this debt is claimed to have been mine.
Consumer complaint received 2019-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CA)

In XX/XX/2017. I received a letter from my bank that my credit and fica score drop less than XXXX. I have had a 800 + score for 25 years. When I inquired to my bank they referred me to Discover   student loans. I called the loan company and asked what this matter was about. I had never had a student loan. They explained that a student loan was taken out by my son with the same name years prior. The payment was not made and a non payment was issued to his report. I found out then I was the cosigner. I have never signed nor authorized and such cosigning document. When I asked Discover to produce the document of my signature they could not. They have held me liable to pay by threatening legal action if I dont pay this bill that I did not authorize. I need to see if my name and ss # can be taken off the loan and place the rightful person to the owing of the loan. In addition they have packaged the loan together connected to the fed rates and adjust accordingly. Seemingly that will cause the loan to spike up through the years. Making it more difficult to pay down. The compounding interest rates are compounded over and over each other never letting the principle go down. I have been making payments to the accounts but I am not seeing the principle adjustments applied correctly. I asked Discover student loans to investigate, only to get no help and no documentation to support there findings and no resolve. In removing my name.
Consumer complaint received 2019-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

3 year lease expired. I contacted XXXX/Chase Credit to see how to go about concluding the lease, turning the vehicle in. They said car needs to be appraised. My dealer, XXXX at XXXX XXXX XXXX XXXX said to have the car inspected on my own so I know what needs to be done to the car if anything and I may be able to save some money by having things done myself rather than turning in the car blindly. I did have it inspected, a report was provided. The net result was replacing 3 tires on the car, which I did, new ones from XXXX. I faxed the receipt for the tires to Chase credit. I paid the {$300.00} or so fee to retire the lease, as well. I concluded my part of this process in total. I continue to get calls from Chase in this regard, every week, several times a week and have the same discussion with them. It is as though their left hand doesn't know what the right hand is doing. I told them I will not spend/waste any more time talking about this issue and I would be filing a complaint against them in this regard. A simple call to XXXX at the dealership would verify the tires were replaced. My XXXX fax out to them was a success per the app so I know they received it. Please stop the hassle as my next approach will be to sue them. Thank you.
Consumer complaint received 2021-11-25
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. (TX)

After reviewing my reports in XX/XX/2021, I noriced that I had a collection account. I then tried to request verification with no avail. It has now been more than 120 days and still have not received any verification.
Consumer complaint received 2021-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I bought my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX back in XXXX of 2020. When I originally bought my home, I put down close to 15 % down and was required to obtained mortgage insurance due to mortgage regulations which I obtained. After 6 months I noticed that I had much more than 20 % equity and I submitted multiple request in writing to my current loan servicing company and the continue to deny my requests every single time. I was able to research mortgage guidelines directly with XXXX XXXX and XXXX XXXX and was able to find that I had the right to remove my mortgage insurance when I could prove I had more than 20 % equity which I have tried to prove, but my mortgage servicer wont let me prove. I want to be able to remove my MI and this company uses abusive tactics from prevent me from doing so.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

We recently had a credit of {$1700.00} in XXXX which was reposted back to our our account after it was previously deducted back out of our account due to a 3rd party vendor fraudulent charge on our account which caused us {$340.00} in fees since XX/XX/XXXX and was told that overdraft fees would be reversed back into our account, once the credit or {$1700.00} reposted back to our account. Had those monies been in our account we would not have incurred the fees and we are requesting a refund of {$340.00} in fees which were charged to our account during the period of time the {$1700.00} it was deducted and also reported the issue to Customer Service over the phone and via their Customer Service Portal and was informed in their email message that they could not help or did not have insight to our claim. 

This is not true. Wells Fargo Claims and Customer Service Reps did not make a concerted effort to help us resolve this matter and are reaching out to CFPB to help us with this matter. Also, we experienced some retailiation from the Wells Fargo Claims or Banking Department since we filed a couple of compliants with CFPB regarding the {$1700.00} which was previously taken back out of our account, although they were provided with proper documentation. We have since experienced retaliation in being able to utilize the overdraft protection program which we have affiliated with this card. Also, they rejected a Utilities Bill payment which came through for {$50.00} and believe this was done intentionally as a result of us previously reporting Wells Fargo on several occasions regarding the {$1700.00} debit matter. Also, they have restricted the card with being able to get cash back which was also previously part of the Overdraft Protection plan as well. We are now being punished and retailiated against because reported them and can not fully utilize the Premium benefits associated with my Checking account. This is very ruthless and discriminatory behavior as well.
Consumer complaint received 2019-06-24
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. (NV)

On XX/XX/XXXX on noticed items were on my credit report that did not belong to me so I ask the credit agencys to please verify these accounts via ftc section code 609 but they refused to verity these accounts and continue to keep it on the my. credit
Consumer complaint received 2019-06-24
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. (FL)

Re : False Credit Information : To Consumer Relations : I received a copy of my credit report and found the following mistakes, in that you are reporting inaccurate and false credit information. It appears that my credit identity may have been compromised. The following information needs to be investigated and removed as they are not mine. 

1. This is not my account and should not be on my report.. 
XXXX XXXX XXXX XXXX XXXX / XXXX Account Number : XXXX Please provide proof of a contract with my signature or remove it from my credit report. 

2. I never authorized this account is unknown to me. 
XXXX XXXX XXXX XXXX Account Number : UNKNOWN ACCOUNT I never opened or authorized this account / this is not mine. Please provide proof of a contract and my signature or delete it from my credit report.
Consumer complaint received 2019-06-24
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. (TN)

XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated that they incorrectly reported this loan as open. They explained that letters were sent to all three credit bureaus and the information would be corrected. 

Three months later XXXX XXXX XXXX is still showing an open balance which is WRONG! My credit report is showing I have 2 mortgages totaling $ XXXX. My wife and I refinanced this loan and the XXXX XXXX accounts should be closed. My wife 's report is reporting correctly, mine is not. This is the reason why I filed a complaint against XXXX XXXX initially. Their accounting and record keeping are terrible in my opinion and this proves my point. My debt to income ratio has tripled, I DO NOT HAVE 3 MORTGAGES. XXXX XXXX NEEDS TO REMOVE THE TWO MORTGAGES THEY PUT ON MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Services purchased an account from XXXX XXXX  in the amount of {$590.00} but does not have any documents showing a balance of {$590.00} was even owed. There is not one document that Portfolio Recovery Services has provided in the past few months that has that amount listed accept for the debt purchase letter they have provided. 

Portfolio Recovery has continued report to the credit bureau {$570.00} but they did not purchase a debt for this amount. The debt purchase validation letter states the debt amount was {$590.00}. 

Portfolio has sent multiple documents with the amounts owed of {$590.00} and in the amount of {$570.00} these are two different debt amounts After I began disputing the account Portfolio Recovery Adjusted the amount on my credit report from {$590.00} to {$570.00} after I disputed the validity of this account and the documents.
Consumer complaint received 2019-06-24
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. (GA)

I recently discovered that I am victim of identity theft and have file theft report in reference to the incident. I am not familiar with credit and how it works. I receive help from the credit reporting agencies in regards to having items removed due to fraud. I was told to file a FTC   report to have the following items blocked/ deleted. However, the items are still listed on my file. I am reaching out to the CFPB to assist me with my issue.
Consumer complaint received 2019-06-23
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. (VA)

The credit reporting agency Experian is constantly and consistently reporting incorrect and physically unverified information on my credit file. It seems as if the reporting agency Experian is relaying on outdated sources as oppose to new technology. A credit reporting agency can not use electronic Verification as proof of any sort. The job of a fraudulent account is for it to appear as ethic as possible. I'm hereby demanding the removal of the following accounts. Please block immediately. 

1 ) XXXX XXXX XXXX {$1500.00} 2 ) XXXX XXXX {$520.00} 3 ) XXXX XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX  {$300.00}
Consumer complaint received 2019-06-23
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. (AZ)

In XXXX had collection information removed from credit report. They removed XXXX XXXX XXXX and reached it with XXXX. I submitted a dispute in XXXX and XXXX was removed and XXXX is back on my credit report.
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (SC)

I was a victim of debit card fraud. Person or persons made 2 purchases in Virginia. I am in South Carolina I care for my elderly mother who requires 24 hr care. I have the only card issued in my possession. The fact of the matter is someone stole my account info,3 digit security code and also pin # no one has that info except me, I did not give anyone permission to use this card. I disputed theses charges. Filed police reports called both stores and had them send me copies of receipts. I forwarded all info to Direct Express, via written error report email as well as fax. This companies failure to comply to EFTA and FDIC law is concerning and alarming. I demanded a copy of Investigation which I am entitled to under the law.Comerica and there subcontractor XXXX  which handles Direct Express debit card complaints use stall tactics such as long wait times to reach an operator to report fraud. Hang ups not able to reach dispute or fraud department which does not offer customers a fax # dangerous laps in sending out fraud paperwork ie their mail room controls the clock. Paperwork must be mailed back in 10 days. No evidence of any fraud investigation. Managements failure to return calls. So you see there are serious issues. It is not my responsibility to investigate fraud it is up to the financial institution. I have done said Investigation have receipts, filed police reports followed up with XXXX XXXX XXXX XXXX. Pushed subpoenas to view video of when fraud was committed. Also subpoenaed XXXX XXXX to view money order that was purchased. I am truly disgusted with Comerica/XXXX. All I want is my funds back I did not expect a U.S. Treasury and social security backed program that said this debit card is safeto let me down.I remain without funds going on 20 days.
Consumer complaint received 2019-06-23
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. (CA)

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it  beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (KY)

XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Jefferson Capital provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX  service.
Consumer complaint received 2020-09-18
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)

I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : XXXX, XXXX  and Equifax. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.