davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
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)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX
Consumer complaint received 2020-09-12
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. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX   CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (UT)

On Tuesday, XX/XX/2020 my wife and I deposited a large personal check into our Package Money Market Savings Account at US Bank 's XXXX, Minnesota location. 

The teller put a large deposit exception hold on the deposit. While we did not need the money, we told the teller when she informed us of a hold due to the amount deposited, that her position was in error. 

We discussed Regulation CC governing the availability of funds deposited in checking accounts and the collection and return of checks and re-iterated that this was a savings account. 

We further explained that under 12 CFR 229.2 ( a ) ( 1 ) the term Account specifically excludes savings accounts. The tern does not include savings deposits or accounts described in 12 CFR 204.2 ( d ) ( 2 ) even though such accounts might permit third party transfers. 

We pulled up the deposit account disclosures on-line to try and figure out what kind of savings account we have and why it would be subject to Reg. CC holds but have been unable to figure out the why. The Funds Availability section of your disclosures indicates that, " the funds availability policy applies to deposits into both a checking account and a savings account. '' We do not understand why. 

The deposit contract clearly points out that " U.S. Bank reserves the right to require seven days notice before any withdrawal from a saving account, '' which is part of the definition of a savings account found in 12 CFR 204.2 ( d ) ( 1 ) and ( 2 ). 

Based on what we have read in the bank 's deposit account disclosures, it indicates that they have the right to delay availability of funds deposited into a checking or savings account made at a branch or ATM ; however, we are unable to locate anywhere in 12 CFR 229 where this is permitted for savings accounts, which also includes money market accounts. 

Both my wife and I are currently in the regulatory compliance business. And we have been in the banking business collectively for over 50 years. 

Again, we did not need the funds, so we were not harmed : however, when we attempted to file a complaint with the bank we were unsuccessful in locating anywhere online to complete a form. Because of this, we felt it was in our best interest as well as the banks to go through the CFPB. This appears to be a systemic issue due to the disclosures. 

Had the bank 's website been more user friendly and included an avenue for filing a complaint we would have gone directly to the bank. As it is, the website does not appear to have a portal for consumer complaints, which a reasonable consumer can navigate to ( possibly one click away - i.e. Contact us ).
Consumer complaint received 2020-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (TX)

XXXX  reported Commonwealth debt on my report. It is a medical hospital debt and I have not received notice from Commonwealth of this debt. It just showed up on my report. I shouldve received notice that this was a debt from this company or from the hospital but I called several hospitals to see if there were outstanding bills since I have had a lot of medical issues in the past but I never received notice of any. I asked if it was turned over but never received notice of this debt from this company if so O wouldve made right on it.
Consumer complaint received 2020-12-22
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. (MI)

My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX  of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX is also reporting my XXXX  of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use XXXX XXXX online portal to make payments and I have attached screen shorts of payments that were process by XXXX XXXX  on the XXXX of XXXX XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. XXXX XXXX can clearly see in the online portal that the payments were made within the 30 day time frame.
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (NY)

I am a XXXX XXXX XXXX in XXXX, NY. I am representing the seller. 
We accepted an offer from a buyer on XX/XX/2020 not contingent on the sale of her home. 
I called the mortgage broker at American Financial Network Inc. to varify and confirm that the buyer was qualified and the purchase was not contingent on the sale of the home. 
They said it was not. Along the way they asked for 2 extensions and the sellers granted the extension. We we suppposed to close before the end of the year. My sellers are in a contract on a new home based on the sale of their home. Yesterday over two months of dealing with this buyer and mortgage company, her agent and the mortgage broker are now told that she was not approved. Her home is closing this week, so it's beyond the cale of her home .The sellers are devestated, this bank never should have pre-approved her for a mortgage and dragged us along for all this time. Now we are stuck. 
I want a complaint aganist this mortgage company they are playing unfairly with families lives.
Consumer complaint received 2020-12-22
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. (IL)

Transunion and XX/XX/XXXXboth refuse to remove a bankruptcies that they claimed were verified through a 3rd party, XXXX. Since then, the bankruptcy has been removed from XXXX, admitting lack of verification on their end. Also, reports have been frozen in order to protect my scores during the repair process. They refuse to remove the bankruptcies and have failed to verify the exact process for their verification. XX/XX/XXXX removed the bankruptcies after the first round of disputing.
Consumer complaint received 2023-07-05
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)

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX
Consumer complaint received 2020-10-06
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. (NY)

To whom it may concern, I am a single parent trying to raise XXXX children. I recently checked my credit score. I have a few hard inquirys i never  authorized XXXX  XX/XX/2020, XXXX/XXXX  XX/XX/2020 and it appears on my credit report I never authorized anyone to run my credit on said dates and i did not try to apply for these cards nor did I ever with said companies. This is fraud and I would like removed from my credit file and to all credit agencies unless you can show me a document stating and showing me where I signed & gave permission. I have no relationship with either company. I also see there are Derogatory Marks the first one XXXX  which is on behalf of XXXX I don't owe them anything they are mistaken, XXXX on behalf of XXXX XXXX   they are mistaken. anything involving those 2 companies they were paid and it was resolved and no where near that amount of money. XXXX and XXXX  both on behalf on XXXX XXXX  pretty sure that one is also something not authorized by me. I am asking under the fair credit reporting act for these to be looked into and to be removed from XXXX, XXXX, experian and any reporting companies. Thank you for you time. I have also attached to photo 's so you can see what I am looking for to be removed as it is all inaccurate information which is hurting my credit score
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliant Capital Management LLC (IN)

COLLECTOR VIOLATED 2 TCPA INFRACTION! SEE ATTACHED PHONE RECORDS, CALLER I.D . ALSO, VIOLATORS OF THE DODD-FRANK ACT!
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have been a paid subscriber of XXXX for awhile, and these 2 collectin accounts are showing with no name & no address just a balance. I have challenged these accounts for several months with Equifax and they come back as mine as well as reported the accounts and Equifax to you the CFPB last month and Equifax said hey would  send coorespondence on XX/XX/XXXX and I never received anything! I called them 2 weeks later and they didn't know what I was talking about ... 

I am a victim of Idenity Theft I have contacted XX/XX/XXXXsenveral times and each time they say they will transfer me and the wait is always 30 minutes or more and they offer a callback and I never get one..

It is illegial for accounts to sh
ow without their own contact information and creditor name as well.
Consumer complaint received 2020-09-11
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. (MA)

Good Evening ; I was going through my credit the other day and noticed a hard inquiry from a local dealership in MA that i never applied for or even step into any of those dealerships. I immediately called the dealership after XXXX XXXX and got routed to Sales Manager of XXXX located in XXXX MA, and he said that he doesn't see any record in his system but he said that it might be his sister store in XXXX. He said that he will reach out to them to get this resolved. My credit has been compromised and I haven't been looking for a vehicle for over 5 years. Again, i didn't authorize this and this is a breach of my personal privacy and want this removed immediately from my credit report. 
( XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, MA XXXX Auto loan. )
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law offices of Steven Cohen LLC (NY)

I contacted XXXX XXXX XXXX  on XX/XX/XXXX in regards to a notification on my credit report. They informed me of my balance of XXXX that was sold to XXXX XXXX XXXX. They gave me a telephone number 0f XXXX with and address of XXXX XXXX XXXX XXXX South Carolina XXXX. I called the number and the number was actually to XXXX XXXX XXXX a company that manages accounts for XXXX XXXX XXXX. XXXX  referred me to XXXX gave us reference number XXXX and a telephone number of XXXX. I called the number and left a message no live agent available. I referred to a letter I received the Law offices of Steven Cohen LLC address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX telephone number XXXX. I was placed with a manager named XXXX my husband asked him questions about the letter received and why the balance was over XXXX currently when the debt purchased price was XXXX. He said because there was a judgment placed in XXXX County by XXXX XXXX  XXXX and gave me an index number XXXX after looking into it there was no such index number or judgment. The Law Offices of Steven Cohen said it was placed in XXXX. I contacted XXXX XXXX XXXX at XXXX they would not release any information about any judgments and informed us XXXX XXXX XXXX recalled the account. After doing another search for a judgement I contacted XXXX County Sherriff the deputy informed me that they had just today received a judgment from the Law Offices of Steven Cohen and I would received paper work for it within 2 days. The same company that had told me I had a judgement from XXXX for the same exact matter. When I had first contacted the Law Offices of Steven Cohen XXXX XXXX answered the phone with music blasting I gave her my name she pulled up my account. I feel that the amount they are trying to collect is illegal and unfounded and their methods of intimidation to collect the amount of money are blatant violations of the FDCPA
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2019, XXXX XXXX  agreed to do a pay for delete on a charged off bank account I had. Once I paid, they refused to follow the proper chains to have everything deleted. They are a rip-off.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-27
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)

Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.
Consumer complaint received 2020-09-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-12-21
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)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.