davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: USI Solutions Inc. (NH)

USI Solutions Inc is the collection company. 
On XX/XX/18, I spoke with a representative from USI and asked them to stop calling my father who is in a XXXX XXXX. The representatives him that he was would not stop calling and that would continue calling him daily. Today the company called me twice, called medical facility twice and called my father 's cellphone. The representative that called the medical facility represrntent himself as a family friend to the nurse that answered thephone phone.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH   XXXX    SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B EXPERIAN AND   XXXX   XXXX   HAVE REMOVED THE FRAUD ACCOUNTS BUT   XXXX   HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVE N THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX. How is this possible? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is this possible? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$700.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$390.00}. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!
Consumer complaint received 2019-02-01
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. (GA)

About 30 days ago I submitted a dispute to Equifax regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. Equifax confirmed the debt, without validation as this is NOT my debt, I have never had business with XXXX and XXXX XXXX. The debt that was deleted was XXXX XXXX XXXX. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like XXXX and XXXX purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company claimed to own ( XXXX XXXX XXXX ) two years ago, Equifax validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have just been denied credit because of a negative medical debt reported on my credit file by XXXX XXXX and Equifax. I have tried repeatedly to get XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to verify an negative item they reported to Equifax to verify this debt per the FCRA. I have also repeatedly asked Equifax to verify this negative information as well, but Equifax claims they have verified this. Obviously Equifax is not doing a reasonable investigation per the FCRA and not sending me any documentations to prove that. Neither is XXXX XXXX XXXX. In Accordance with my Federal Rights I am entitled to this information and if it can't be provided this information is to be deleted.
Consumer complaint received 2019-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to XXXX XXXX XXXX, XXXX, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and XXXX XXXX ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have disputed the late payment status reported on the account XXXX XXXX XXXX  XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On my credit report there is a debt to a company that I do not owe money to. I have queried the debt with experian and they have not removed the debt nor have they shown me any evidence that I ever owed this company any money. They were supposed to investigate the matter with the debt collection company but I've seen no evidence that any such investigation was completed nor have I seen the results of the investigation.
Consumer complaint received 2018-12-20
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: FACTUAL DATA CORP. (WI)

I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, Factual Data XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.
Consumer complaint received 2019-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a victim of Hurricane Sandy. I had to use this HELOC to pay for the construction costs to rebuild. Construction costs after Sandy skyrocketed. The account became difficult to pay every month. I called and asked Bank of America for a modification and in the process BOA of America has not fairly and in good faith accepted my valid income verification. The point person has made several mistakes like setting up the modification under the incorrect address and account number and declaring the property vacant which disallowed rental income when the property was never vacant. The underwriter has made decisions based on the incompetence of the point person handling my account and the misinformation he provided. I also believe that BOA did not follow the proper guidelines and procedures and I was never asked to fill out the proper BOA paperwork, instead I was instructed to fill out information on a piece of loose-leaf which lead to some misinformation. I have months of emails to the executive team at BOA complaining about the mistakes and treatment. I will include in my complaint and I have requested from BOA for all transcriptions of recorded conversations which they have failed to comply to date.I also have concerns with the BOA rep and his possible discriminating treatment of me on the XX/XX/2019 phone conversation. That is why I was requesting the phone records.
Consumer complaint received 2018-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (FL)

I went to a college in XXXX XXXX florida XXXX they closed bankrupted before I could finish I tried to transfer no one would take the credits stated that the loan was given to non credited teachers. Not sure but I know I did not get what I paid for. But in my credit report the loan is over and over it started XXXX XXXX then it moved to New York State now its sometibg else. The loan is from 1992. It has put more weight on me keeping me from getting loans jobs a home. Because its on my report over and over. It says on my credit report I took the loan out when I was 9 years old. It has I owe XXXX for a associates degree that I never was able to finish nor had enough knowledge to even get a entry level position. I paid XXXX XXXX  a year and a half and its just as bad as before but even worse now
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

The credit bureaus involved have not properly investigated my dispute of bankruptcy which appears on my credit report. The bureaus are relying on third party information. Per FCRA 611 Paragraph ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to drtermine the accuracy and completeness of the disputed bankruptcy. Method of Verification should include the following : Name of courthouse, persons name who verified the dispute, address, phone number, and documentation used to verify the dispute. 
I also request the bankruptcy be deleted if you do not provide the method of verification. Further legal action will be taken.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

in XX/XX/2018 opened 2 $ XXXX cd 's for a XXXX yr term at 2.12 %. around XX/XX/2018 USAA began taking money from the CD interest deposit and around XX/XX/XXXX they said it was because of the XXXX not being on file, around XX/XX/XXXX the XXXX issue was resolved the XXXX was found on file since the start of the CD and the deductions should have stopped. The deductions continued and were not even accurate but continued, calls to USAA resulted in assurances that the deductions will cease and return of the deductions will be provided, no return calls ever received deduction continued. In a desperate move the CDs were cancelled and money withdrawn from USAA the penalty was indicated as a portion of the interest paid but the resulting penalty was a deduction of interest and principal form the CDs. Additional calls to USAA seniors and agents resulted in a call from someone who never called again who said the issue is under review. No information on my CDs with USAA is now available on line at USAA under my file and account numbers, no interest XXXX or indication that the CDs ever existed is available.
Consumer complaint received 2018-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (MN)

On XX/XX/XXXX I was alerted by XXXX  that there is an open collection against me because it wasn't paid as agreed. The Collection agency is Contract Callers, INC with address XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. This is the phone number reported on my XXXX  report. I have tried to call this number and its not working, I called XXXX ( Original Creditor name ), they provided an different agency name. I called them again today ( XX/XX/2018 ) and after I told them the name of the agency reported on credit report ( they are the one should provide the agency name, not me ) they provided the Contract Callers phone number, different than the phone number I have on my credit report. 
When I called the Phone number I was provided from XXXX ( XXXX ), the agency couldn't find any record. I gave them My name, address, birthdate and the last 4 digits of my social and they couldn't find any record. At that point with the conflicting information I received from XXXX, XXXX  and the fact that I found about an paid amount from my credit report, I was suspicious of giving the collection agency my full Social Security Number. I have not seen their privacy policy nor a consent that they will not sell or miss use my information. For these reasons, I refuse to share my full Social Security Number. I shouldn't be treated and giving wrong information. The information reported to XXXX is inaccurate including their phone number. This is hurting my credit and my financial wellbeing.
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

PNC mortgage provided an email confirmation of a rate lock at a very low rate during the initial conversation. They were aware we were speaking to multiple lenders. After we had selected PNC as a vendor and committed to a closing date of XX/XX/2019, the mortage associate raised the rate on XX/XX/2019, which gave us ver few options for moving forward apart from accepting the higher rate. 

PNC also agreed in writing to provide credit to cover appraisal and closing fees, but shorted the amount by approximately {$200.00} on the closing documents. 

They also refused to provide a secure file upload space for transfer of documents containing PII
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I need to File a complaint on Wells Fargo On Sunday Night XX/XX/XXXX at a XXXX  gas station with My visa Debt card the Transaction was approved So today I received a email from wells fargo saying that I have a {$35.00} Overdraft fee. I feel that Wells fargo is completely wrong for doing this The funds were in my account during the transaction But they wanted a few days to charge me. I spoke with the rep at wells fargo she claims that it's is up to the merchant to collect the payment that is complete XXXX on behalf of wells fargo. they took the money out of my account at the time of the transaction because it was approved Wells fargo I want you to remove that XXXX over draft fee asap ... this is a complete rip off of your bank!
Consumer complaint received 2019-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Today on XX/XX/2018 I was defrauded of concert tickets I was trying to buy for myself. I asked XXXX XXXX, the seller of the two tickets, if she could send me her XXXX and she insisted we use XXXX for the transaction. I have sent money to my family using it, as our bank uses it, so I felt safer knowing it was backed by my bank. After sending her {$50.00} she immediately blocked me. She gave me the number ( XXXX ) XXXX and the name XXXX XXXX ( I now feel as if it is a fake name and possibly number ). I am angry and upset that I am in this position. I do not know what other options there are. I would just like that this person pays for their inhumane actions. I do not know what else I can do. USAA cant get the money back from her. Any and all help in resolving this matter is appreciated. Let me know what else needs to be done in order for me to have this resolved.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Equifax is reporting a XXXX account for {$690.00} at XXXX XXXX account for XXXX and the XXXX XXXX account for {$270.00} also XXXX  is reporting the same things I have called Equifax multiple times and they have refused to fix the problem
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (PA)

XXXX Hospital ( XXXX XXXX ) was set up with XXXX to collect debts owed to the hospital. We had charges from previous medical issues that were not covered by insurance and we need to set up a monthly payment plan, which we did and were paying every month via and automated deduction from our checking account. The accounts were never reported to the credit bureaus because were were not delinquent. At some point at the end of XXXX, XXXX was dropped and XXXX XXXX was given our account. Then out of the blue we started receiving phone call regarding the debt owed. There was never any written notice that XXXX was no longer servicing the account and that we would need to work with Arcadia, so we were questioning what these debts were and from when. At one point the person calling gave us incorrect dates of service as well as incorrect parties they were collecting for. Upon calling XXXX Hospital, we found out that XXXX was dropped and Arcadia was the new service provider and we would need to contact them regarding the accounts. As of XX/XX/XXXX, via online, I paid all the accounts off. I have requested that Arcadia report this the credit agencies and have the incorrect information removed from my reports. I notified Arcadia of my intent to report this information