davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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. (VA)

Im filing this complaint due to the credit reporting agency 's failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021 ( Equifax ) and XX/XX/2021 ( XXXX ). Under current law they had 15 days to complete a re-investigation. According to the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after the credit reporting agency 's investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 
My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give the credit reporting agency permission to report these items. In my dispute I requested corrections to inaccurate information or a deletion of the accounts from my report but neither was done. 

At this point, I am demanding the credit reporting agency to cease and desist from reporting these items. I demand they are immediately removed from my report. If they refuse to remove the items, I demand the credit reporting agency provide me with written documentation swearing under penalty and perjury laws they were there when the debts were established. I demand they also swear under oath that I signed for the accounts and I signed documentation agreeing to add their credit reporting agency to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.
Consumer complaint received 2020-09-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

Through each Credit Bureau i had submitted a dispute for a Closed account that continues to be reported as accurate but it is not accurate due to the fact that account should not be reported anymore. Car loan with XXXX XXXX was opened in XX/XX/XXXX paid off and closed in XX/XX/XXXX. There were delinquencies on this account and it does not reflect the date of first delinquency and are re-aging the account with the date last reported. In which now reflects date last reported XXXX in the Equifax Report and i never received notice of the results of dispute. I have even taken upon myself the duty of calling the XXXX XXXX XXXX in Puerto Rico were i had the loan and opened a claim to verify why the loan is still being reported on credit report, the bank auto loan customer service agent while filing the claim did confirm that the loan does not come up in their system and when it does not reflect it does not have anything to report to the credit bureaus.
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (MN)

This is about wells fargo cpi refund and the tales wells fargo has tryed to get me to listen to. The one yesterday almost caught me off guard. I thought the guy was trying to be funny yesterday. He said that 13 years ago and counting I called wells fargo bank and told them to come get my car. I give up there trying every lie in the book and they wont let me have arbitration as they know there ripping me off.
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (SC)

Had a past-due balance in XXXX, paid the past-due balance. I am in the process of obtaining a mortgage, need the information updated. Lender will not update, they said to dispute and the account would be updated. I disputed with Experian, Lender sent updated information. Experian did not update XXXX account. I confirmed with XXXX updated account information was sent. Several disputes have been filed over the last 3 weeks and even a rapid rescore with a current loan statement and backup payment history provided by XXXX. Experian refuses to up account. My mortgage will be denied due Experian not updating the file. It's has been a long battle working with several different experian reps one was down right rude and insulting and refused to let speak with her supervisor and another who to call XXXX while I was on hold, left e on hold for 25 minutes and hung up. I have attached backup documents that I submitted and Experian will not update.
Consumer complaint received 2020-10-09
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: RentDebt Automated Collections, LLC (GA)

I will get straight to the point. Rent Debt is still reporting a PAID collection on my file and my husbands file two years later. This debt was paid back in XX/XX/2018 and the file keeps being updated as a paid, closed account. Please tell me what the XXXX is there to update?! Its a FULLY PAID DEBT. Ive called on multiple occasions to find out how or who I could speak with to have this removed and the response has been the same each time and unhelpful - I was told that they dont remove reports or send deletion requests/letters to the credit bureaus which is complete XXXX. They are the furnishers of this report so they can easily remove the account. A paid collection serves zero purpose on either of our reports. This account needs to be removed expeditiously - from all three credit bureaus.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/2021 through XX/XX/2021, three separate, unauthorized transactions were made through my Bank of America bank account. An unknown checking account was linked to my bank account and transferred three separate amounts : XX/XX/2021 : Transfer of {$1700.00} XX/XX/2021 : Transfer of {$1200.00} XX/XX/2021 : Transfer of {$1800.00} A total of {$4800.00} was withdrawn from my account without my consent or authorization to an unknown entity. I have no information on the account number, or who it belongs to, as the moment fraud was detected, I was advised to immediately delete the linked account and change email/password. 

This is a widespread problem for Bank of America, and hundreds of thousands are having the same problem of foreign entities withdrawing money without their authorization. Hindsight, at this point, is irrelevant. The issue is the way Bank of America refuses to give victims their money back. I filed a dispute earlier this month, and received a letter telling me that there were 'no errors ' found and that my claim was closed. Once again, hundreds of thousands are being told the same thing, and are having their money held hostage. People 's livelihoods are at stake and Bank of America refuses to do thorough investigations into this matter, and give victims what belongs to them. 

I was also told that, if no resolution were found in ten days, I would receive a credit to my account, but this did not happen ( this is besides the point, however ).
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (GA)

I was a victim of XXXX and XXXX XXXX which is stated in class-action multi-state lawsuit ask the credit bureaus to delete the account off of my credit report based on the findings and the multi-state class action lawsuit which is stated on page 8 section 11 and they refuse to remove it from my credit report
Consumer complaint received 2020-09-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I am writing this letter to file a complaint with being forced to refinance my VA loan through you due to an IRRL Seasoning Violation by Caliber Home Loans. I was contacted by the following individual today XX/XX/20 via phone. Please keep in mind, I had not received anything in writing prior to this call that spelled out the issue and he did not seem overjoyed to have to explain Caliber Home Loans XXXX up, and when I asked for this to be sent to me in writing. 

XXXX XXXX XXXX XXXX XXXX ) Loan Consultant Caliber Home Loans, Inc. ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX As I questioned him on the call about this, you could tell by his tone he thought I should be happy with this and did not like the questioning. However, I was not pleased with this at all. Not only did he tell me I would have to have a hard hit put on my credit report ( The loan before for the IRRL did not require this ), that I would also have to extend my loan back to 15 years again ( adding 8 months back to my loan ). And above this, I will need to send in all the documentation and paperwork for taking out a new loan all over again, along with having to meet with someone to sign everything in 45-60 days ( who wants to do this with the Coronavirus ). So, you can see my frustration. He made me feel like I was being taken today for someone to get a commission of a new loan. I really hope this is not been the case. 

Needless to say, this has left a bad test in my mouth for Caliber Home Loans. After the call, I got out online and read about this topic, so I could be well versed on. I know that all fees for this are to be absorbed by the lender and a cure at no cost to the borrower ( he told me on the call today he would have to check with management to see if Caliber was willing to absorb the cost ). I also have not found anywhere that states a hard inquire has to be done at the borrowers expense and this should be removed from my credit reporting. 

For the life of me, I do not know how I was able to refinance the IRRL loan with as many hands in the pot and no one catching this. Especially with the requirements for the seasoning period of either 210 days from the date of the first payment or after the sixth monthly payment ( whichevers longer ).
Consumer complaint received 2020-10-09
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Hello, please carefully read my complaint. I can't help but notice an inquiry on my credit report which I do not recognize nor applied for. This company accessed my credit report without my prior authorization, I did not consent nor they asked for it which is very alarming and stressing me out.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

I was looking at my credit when I noticed a XXXX XXXXXXXX credit card opened XXXXXXXX XXXX XXXX on if and I have never owned this Credit Card. I am a victim of Identity Theft and this has resulted in harm to my credit and has made it hard for me to apply for my own credit cards
Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP. (CT)

This is my buyers lender they were approved on XX/XX/2020 weve been waiting since XX/XX/2020 for the clear to close I keep being told its happening any day now and nothing Im about to lose the home Im buying and nothing the have already signed the CD with the 3 day waiver signed still not sure what we are waiting for.
Consumer complaint received 2021-12-30
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. (GA)

CFPB REPORT XXXX Why did the CFPB closed my complaint? Why is the CFPB continuing to allow Equifax to get away with 'INVESTIGATING '' their wrong doings? This is the 5th investigation with Equifax and they keep " updating '' the matter. EQUIFAX is reporting INACCURATE and INCOMPLETE information on my credit report which has caused me to lose my JOB. 

It is the LAW this company must report accurate and complete information at all times and I don't think the CFPB is doing anything to enforce. 

These accounts listed from CFPB REPORT XXXX that you the CFPB closed, are ignoring the fact EQUIFAX can not prove to me why they have a right to report INACCURATE and INCOMPLETE information from these companies below. IT DOES NOT TAKE 5 MONTHS to investigate NO ACCOUNT NUMBERS. This is an EQUIFAX issue not an issue from these banks. You are NOT reporting an account number for me to even investigate. 

XXXX  XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account )
Consumer complaint received 2020-09-15
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. (NC)

I don't see how many hard inquiries on my credit report from Experian is wrong on these hard inquiries XXXX XXXX XXXX XXXX place I have called both of them send mail letters that they did not do it Experian.XXXX when when XXXX how to siad it would be no hard inquiries for to check i keep getting. I no know my credit is the only thing I have now because I don't have a job I did own a XXXX  XXXX  but with this coivd 19 it just took everything I have ever lille thing i have lost XXXX  XXXX  my home my car everything I just need this on my credit report at all i tell need help with this because I don't have a XXXX XXXX  account at allI
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I have sent convergent multiple letters I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Convergent has sent me a billing statement showing a balance of XXXX when the credit report shows XXXX this is inaccurate information therefore i am requesting validation of this debt bearing my signature
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, this item that resulted from fraud which I never benefitted from still appears on my credit report. This is already deleted by both XXXX and XXXX and blocked from reporting this fraudulent account. This has been already reported to the Federal Trade Commission but nothing is removed which is absolutely stressing me out, this is a blatant violation of my consumer rights.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are a few addional inquiries that need to be removed from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please see attached identity theft report
Consumer complaint received 2020-10-10
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. (MA)

HAPPY SATURDAY XXXX - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section 623. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-09-24
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: Westlake Services, LLC (NC)

This is a NEW complaint - after the " resolution '' of the FIRST complaint! Please do not list this as a DUPLICATE complaint, this company is unethically practicing! 

Westlake Financial AGREED to change my charge off to a paid/close remark on my account ( see attached letter ) and changed it on my credit file. Three days later, they changed it BACK to a charge off. When I called Westlake yesterday, they told me that it was NOT their problem the issue I was having with my credit file and they did what I asked them to do, if even temporarily. The account is also reporting as 30 day past due in addition to being a charge off - all reported on XX/XX/XXXX 

I paid this item in full through my insurance company and my GAP insurance, I kept Westlake in the loop about any delays. I fully BELIEVE they received TWO payments on my vehicle - ONE FROM MY INSURANCE AND ANOTHER FROM THEIR INSURANCE COMPANY - complete fraud and unethical behavior.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IN)

A collector called for a party other than myself " XXXX XXXX '' and identified themselves as working for Radius Global LLC Debt which is a debt collections company. It is illegal for them to identify themselves as a debt collector to someone other than the party that owes the debt. This is the second time in maybe a week I have had a debt collector trying to collect a debt I am no part of.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (GA)

Charged an international processing fee when I did not travel internationally. I bought something at home. Used my debit card. Called US Bank and they will not refund this fee. The fee isnt in the disclosures for my account. I have been lied to and taken advantage of. They stole my money
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( Trans Union, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.
Consumer complaint received 2020-10-09
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. (LA)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks