davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX : 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 / and the removal of any fraudulent inquire that was made 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/XXXX XXXX CREDIT CARDXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX AUTO FINANCE EF B XXXX/XXXX/XXXX HNB CLEVEL BANKING EF B XXXX/XXXX/XXXX XXXX XXXX BANKING 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 XXXX XXXX/XXXX/XXXX XXXX BANK BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CARS AUTOMOTIVE TU B XXXX/XXXX/XXXX ALASKA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING 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 ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( 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 XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

My credit was compromised in XXXX which has created ongoing problems and aggravation. I have spend hundreds of personal man hours and XXXX dollars paying monitoring fees to the bureaus and consulting fee to various companies to attempt have my credit history accurately depicted. Most recently, someone made numerous attempts to obtain credit using my social security number in XXXX of XXXX. I had a fraud alert on my file prior to this most recent intrusion. My complaint is the following : 1 ) I was not called by any of these creditors at the time of inquiry because Equifax did not have my telephone number included in my fraud alert 2 ) When I called to notify Equifax that I did not authorize these inquiries, they presented a flawed interpretation of the FCRA which was grossly inconsistent with XXXX and XXXX. I told Equifax to contact these creditors and have them prove I made these inquiries. For example, request the application that was submitted. See what address was used, compare signatures, speak with the loan officer etc. I explained that these creditors can not prove that I applied for credit because I did n't do it!! XXXX and XXXX removed these false inquiries with no problem! Equifax said that the law does not require them to verify that these inquiries are valid only that they occurred. That fact that they occurred, makes them a matter of factual record. What!!? If someone steals your information, and applies for credit, of course it occurred! They said that I have to do their job by investigating each inquiry and then requesting the creditor to contact Equifax and rescind the inquiry. Excuse me? You do n't get to cherry pick through a Federal Law and decide what parts you feel like complying with. The rep made the comment that the " creditor is their client not me ''. That has no bearing on Equifax 's obligation to fairly report my credit, furthermore, I am a client too, because I pay for their subscription service. I insist that they comply with the law and do their job verifying that I arbitrarily and inexplicably decided to appliy for credit XXXX times in XXXX of XXXX. Or, they can pay me a {$25000.00} consulting fee to stop my life and travel to these creditors to investigate these inquiries to find out what I already know. Pardon my sarcasm, but their position on this matter is laughable and offensive. How dare they take this monarchal approach that I 'm guilty until I prove myself innocent, because they are too lazy to do their job. 
3 ) In what I believe to be a retaliatory strike from earlier complaints, Equifax removed my positive credit history along with the fraudulent accounts! 

I thank you your department for your prompt attention to this matter.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp (NJ)

A third company party company gave me false and misleading information. They misrepresented my family size. They told me they would pay off my loans and they would no longer report on my credit history. Also they told me that their fee would not report on my credit. Which it is and is hurting my credit by showing as it is a credit card that is over maxed out.When I tried to discuss these issues with XXXX they directed me to the other XXXX ; I have multiple times tried to reach the company with no response.
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I was a victim of identity theft and there are several fraudulent inquiries on my credit report that needs to be removed 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/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NM)

Numerous times I have submitted a request to have information blocked from my credit report as a result of identity theft. I have included the police report, identity theft affidavit and all other requested information. The credit bureau still refuses to block the information. I do n't know where to go now.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It has been 30 days, this highly disorganized CRA needs to finish the investigation and send me a complete updated credit report. It is amazing that BOTH XXXX and XXXX have investigated, removed the subject items and already mailed a report.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MS)

I disputed this previously reinsert deleted bankruptcy with you all. Equifax responded back to you all stated that this bankruptcy had been removed. Case number XXXX is still appearing on my file. Also, their are case numbers XXXX in which it been over seven years and should be deleted. Case numbers XXXX in which does not belongs to me as well as case number XXXX. All these previous deleted bankruptcies was removed 2 years ago do to fraud and now they have been reinsert on my file.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Since the FTC Fair Credit Reporting Act attempts to prevent consumer 'Discovery ' by requiring that 3rd Party entities ( such as Collection Agencies ) contact consumers about a reporting action before submitting it, I submitted a request on XXXX/XXXX/16 via Equifax 's Online Dispute process to have a ( {$27.00} ) XXXX reporting entry removed. 

Although I informed Equifax that I was never contacted by the provider XXXX XXXX XXXX XXXX XXXX about the matter, it 's now been over 45 days and the company is yet to remove the entry as requested.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

I have a a unverified accounts from XXXX XXXX & XXXX BAL {$300.00}, XXXX {$260.00}. I had previously disputed this account. I have never done business with these XXXX companies Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

View " Document '' of " Display A ''. I endure harms since I have to depend on an exact and finish statement of my credit record and request that you expel the questioned things from my report promptly as you neglected to conform to the law. Otherwise, I will contact the Federal Trade Commission and inform them with respect to your evident carelessness for consumer security laws. I am asking for your help with putting a conclusion to this matter.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX XXXX we contacted Wells Fargo to refinance our mortgage to a lower interest rate. 
On XXXX/XXXX/XXXX I notified our loan agent, XXXX XXXX of our XXXX/XXXX/XXXX " signing '' appointment with XXXX XXXX at XXXX and told XXXX that the papers indicated that {$970.00} was going to XXXX. I asked how to fix this as we have XXXX and the annual premium had been paid out of the original mortgage escrow account on XXXX/XXXX/XXXX. 
Neither XXXX nor XXXX showed for the signing appointment. Immediately after we signed the documents, I again contacted XXXX to tell him the error had not been corrected and ask again what we need to do to fix it. He referred me back to the title company and they referred me back to Wells Fargo. 
Wells Fargo has been putting us off over and over again ( almost 5 months now ) and still will not provide us a " closing disclosure '' that reflects the correct distribution of the {$140000.00} that we now owe them. 
XXXX XXXX has not returned any of my calls or responded to any of my email inquiries since XXXX/XXXX/XXXX when he forwarded a response from the title company with a new " final statement '' document ( which indicates the total loan amount as {$140000.00} ). That document also states " This document is not intended to replace the " closing disclosure form. '' On XXXX/XXXX/XXXX we received an amended " closing disclosure form '' from Wells Fargo which is still wrong and still indicates {$970.00} to XXXX! Since XXXX/XXXX/XXXX we have been trying to get the corrected document from XXXX XXXX at Wells Fargo Customer Care and Recovery. The last contact with XXXX was by telephone on XXXX/XXXX/XXXX indicating she still had no answer for me and had no idea when she would. 
We just want to know where that {$140000.00} really went. And it is tax time and we need to give the right information to our tax preparer. The longer this goes on the less we trust any documents we get from Wells Fargo. 
There are many more issues on this document - not just the {$970.00} homeowners insurance to XXXX which is the most glaring error. 
Can you help us to get a corrected " closing disclosure form '' from Wells Fargo that indicates where this money really went?
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has reinserted information that was previously deleted in XXXX of this year. 
XXXX negative accouts which are : XXXX # XXXX Type EmploymentBalance $ XXXX XXXX $ XXXX Opened XXXX Status ClosedMo. Payment $ XXXX StatusHigh Balance $ XXXX $ XXXX 360 MonthsXXXX BANKAccount # XXXX Type Banks and XXXX & XXXX were removed due to identity theft it is against the law for Transunion to repost these items after deletion. They must delete these items immediately that were wrongly reinserted. 
They also took off accounts of which were reporting positively on my account. I do n't understand how or why this has taken place. I have attached documents of student loans that were taken off my account history without my authority and attached previous reports that shows the deletions of Transunion of items that were wrongfully reinserted I will prosecute them to the fullest extent of the law. I was denied a job position because of this.
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX, 2015 I received notice from XXXX XXXX XXXX XXXX XXXX that the above referenced account would be closed from their files, and trade lines deleted from my credit file in accordance with the FTC Settlement : to Civil No. XXXX ; XXXX, Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX months later, this trade line still shows on my credit report and is affecting my FICO score negatively. 

I have taken all steps necessary to correct my credit report, however, it appears that I will need enforcement at this time.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Their is XXXX problems with my credit report XXXX we have a collection account that has been paid still on my report in which it was taken off once and replace back on. Next, I have a lot of inquiries in which i have no clue were they came from and why they are even on my credit report. This bill was suppose to be handle by XXXX ( XXXX ) XXXX. Disregard the XXXX XXXX XXXX attachment that was handle already.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help
Consumer complaint received 2015-05-20
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I applied to take over a lease on a XXXX vehicle with Ally Bank. There is approximately 24 months left on the lease with the aggregate payments amounting to no more than {$34000.00}. I submitted a credit application which Ally Bank rejected citing " credit experiences are insufficient for dollar amount requested. '' Meanwhile, in its rejection letter, Ally acknowledges that my credit score was XXXX out of XXXX. As indicated in my credit application, my annual income is nearly {$XXXX} ; I 've been employed with the same employer for over 13 years and resided in my residence for nearly 10 years. The only outstanding debt that I have is a student loan in the sum of {$50000.00} with no late payments and a car lease for one of my assistants from XXXX with {$3000.00} left. I have no negatives on my credit, I carry no credit card debts and all components of my credit are designated as " Excellent '' by all three credit reporting agencies. In fact, my credit score and income exceeds that of the original lease holder for the car. The only possible reason for Ally 's refusal to approve this transaction is either a racial and/or national origin bias. I believe that Ally is discriminating against me due to my XXXX ( the original lease holder has a XXXX ). Given the vast discrepancy between its explanation and my credit history, there can be no legitimate reason aside from discrimination. In fact, Ally has a history of discrimination against minorities with relation to auto loans, having had to pay over {$90.00} XXXX in 2013 as a result thereof. I believe that I am not the only person of XXXX having experienced this matter and know of at least one other who has excellent credit, but was denied an auto lease for the same or similar reason by Ally Bank. Furthermore, I had authorized Ally Bank to check my credit score once. However, it did so on at least two occasions, thereby negatively affecting my overall credit rating.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX 2011 my wife and I sold our Florida apartment through a short sale with the XXXX. Although this was clearly a short sale, this transaction was reported to the credit bureaus by this Bank ( XXXX ) as a foreclosures. I 'm still paying the note to the bank for the difference of the sale price and the original mortgage note amount due. 
Ever since then my credit has been compromised and ruined because of this false reporting by this bank. Every time the need for a loan or any other credit check is needed on my behalf this foreclosure pops up scaring lenders away. This has been appalling, has been a disaster and continues to be a disaster.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past their 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .Promptly delete all information that can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I received a written letter from XXXX XXXX XXXX regarding an account. The written letter offered the option to log into XXXX XXXX XXXX which would allow me to pay my account in full. When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid {$1000.00} ( please see attached payment receipt and bank statement ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (GA)

XXXX. Suspected fraud on or about XX/XX/XXXX. Began reaching out to the companies who made the charges on my accounts. I was told they either didnt know, could not provide the information, or call banking institution. 
XXXX. Kept close eye on account. 
XXXX. Reason for suspicion was I accepted a position on good faith and this firm had my personal and banking information for direct deposit. Only worked here 16 days. On XX/XX/XXXX a partner of the firm was indicted on XXXX, impersonating a public official etc. 
XXXX. Contacted bank several times to review charges. Due to a security breach I was having difficulty accessing my account. I had to change phone numbers and could not receive authorization code. Advised bank of new number and the reason. Was told that someone would contact me. No call. 
XXXX. Reported issues to local law enforcement. 
XXXX. XX/XX/XXXX - card not authorized. Contacted bank and was asked a series of questions because I no longer had the number associated with the account. Asked could I retrieve money and advised account was on hold due to fraudulent activity of which i previously reported. Told that a fraud team would investigate and contact me in 2 or 3 days. Never received a call so I contacted the bank and account was open again. This repeated every other day until about XXXX. On this date I was told that my account was back open again so I asked had my number been changed on the account and it was not. Had talked to fraud team the day before. I always had to call. I never received anything in writing. I requested electronic bank statements and did not receive. Finally told that one might reach me in XXXX weeks. I am still reviewing charges. Due to the fraud I have had to provide my drivers license everywhere. I eventually got an account opened with XXXX XXXX because I have a credit card and XXXX auto loans. It still took days to get it opened. I have late billshaving to XXXX to family and friends that have cards. I still do not have a card. No answers to my questions or I need a subpoena. I really need some help. I have expended an enormous amount of time. I do possess some documents to support my complaint. I only have the last XXXX digits of the XXXX and card ending in XXXX.