davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
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: LoanCare, LLC (FL)

I refinanced with my existing mortgage company, loancare/XXXX XXXX. While processing over to my new refinance rate, they reported I was not current on my mortgage and subsequently, my credit was affected. I have asked them to correct the error but they have not nor have they emailed or mailed a letter to me to let me know what they are doing to resolve. 

I have since switched to a new company but would like loan care to resolve their error on my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I just recently noticed that Bank of America has been charging my savings account {$5.00} every month as a maintenance fee. This account is a keep the change account, which charges my debit card extra money every purchase. Essentially they have been charging me extra money for years that I didnt need to spend, just to take {$5.00} of it every month. I was never told I had to keep a minimum of {$300.00} in my savings account, only in my checking. I have plenty of money in my checkings that I couldve transferred over if one time out the many times I went to to Bank of America over the years one person helping me couldve told me what was happening. I was never notified that these {$5.00} maintenance fees were happening. I have unknownly lost hundreds of dollars by Bank of Americas keep the change savings account. Really it should just be called give us your extra change.
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

This complaint is with original company XXXX XXXX XXXX XXXX XXXX but has been sent to a 3rd party collections, XXXX XXXX XXXX for the amount of {$110.00}. I have attempted several times to dispute this reporting on my own and company has not given a resolution. This account was set up with out my permission and with my personal information. XXXX XXXX XXXX XXXX did not have best practices with verifying if person calling in is the correct party. 

This is injust and i shouldnt be held responsible when my identity was used without verification.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NV)

I received an invitation directly from Citibank to apply for a credit card. The incentive for applying for the card was XXXX XXXX XXXX frequent flyer miles if approved. I was approved for the card and proceeded to reach -- and far exceed -- the requisite dollar spend within the first 90 days of receiving the card. I called Citibank a month after having paid them more than {$4000.00} inquiring when the XXXX miles would post to my XXXX XXXX account. They informed me at that time that they were not going to give me the miles since I had a credit card open with their company within the past 24 months. At no point during the application process, after I was approved for the card, after receipt of the card, during the first 90 days of using the card and spending more than {$4000.00} did Citibank advise me that I was ineligible for the promotional offer. Citibank targeted my business and presented the offer to me. I did not need or want the card. When I made a complaint with their customer service, they offered to give me XXXX XXXX XXXX miles and said someone would call me within 24 hours. That was two weeks ago and I have heard nothing from them. I informed them that I would be filing a complaint with your agency and they still have refused to work with me or correct the situation. Thank you for any assistance you can provide.
Consumer complaint received 2023-07-08
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. (TX)

On XX/XX/23 XX/XX/23 I have contacted Equifax XXXX XXXX XXXX XXXX via certified mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of ssn also proof of FTC XXXX AFFIDAVITS stating proving my claims However XXXX XXXX Equifax failed to protect my consumer rights accordingly to section 605 of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH PARTY Im attaching Proof of address proof of ssn Proof of police report
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I traded in my car XX/XX/XXXX XXXX XXXX XXXX was paid XXXX owed. To this day XXXX, XXXX and experian still show I owe that loan is closed..when i log in it says closed paid off so why is this not reflected on my credit reports a month later!
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MO)

I received confirmation from MOHELA dated XX/XX/2023 that my student loans had finally been forgiven. Despite this, MOHELA continued to report this account as open to all credit reporting agencies. I then disputed this information with the agencies and XXXX has come back stating that MOHELA has provided them with current documentation that the account is still open with a balance {$19000.00}. This information MOHELA has submitted to them is not accurate with respect to the status or amount.
Consumer complaint received 2023-07-24
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)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ACCT # XXXX BALANCE XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I sent letters to the credit bureaus on XX/XX/23, XX/XX/23 and XX/XX/23 and received no responses, in regard to my disputes. There is inaccurate information and accounts that are not mine, reporting on my credit report and the credit bureaus have not upheld my rights as a consumer by investigating my disputes and making the corrections to my credit report as I have asked them to.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-13
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. (KY)

XXXX XXXX XXXX  was paid in full and is listed as not paid charged off, my attorney advised me once they accepted payment in full the remarks has to be removed it is on Transunion XXXX
Consumer complaint received 2023-10-06
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. (DE)

Case XXXX XXXX I started disputing my Drivers History report XX/XX/2023. Initially there were 3 violations that I did not recognize. XX/XX/2023 Drivers History responded with a letter verifying all 3 violations as accurate. I then asked for them to reinvestigate and provide proof of verification. I received a letter dated XX/XX/2023 which verified 2 of the 3 violations and 1 had been removed. Yet still no proof of verification was sent. As per the FCRA they placed an address for the furnisher of this information and provided a link as proof. The court has stated thy will never provide or sell data to any CRA ( credit reporting agency ). XX/XX/2023 I sent them another letter attempting to retrieve the documentation used to validate these violations. On XX/XX/2023 I received a letter dated XX/XX/2023 from Drivers History and in that letter they are verifying another violation which is the last one remaining. So this company removed 2 violations and never sent proof of validation. This is a data broker and this also brings into question the permissible purposes and the fact that I have never done business or contracted with this company but somehow they have information they refuse to validate. 
15. U.S Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of less than {$100.00} and not more than {$1000.00} or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of failure or {$1000.00}, whichever is greater
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THIS HAS BEEN AN ONGOING ISSUE. THE XXXX ACCOUNTS THAT ARE STILL REPORTING ON MY CREDIT FILES ARE INCORRECT. 

XXXX XXXX XXXX XXXX THESE XXXX DO NOT BELONG TO ME. THESE ARE A RESULT OF IDENTITY THEFT/FRAUD! THESE ITEMS DO NIT BELONG TO ME AND I DO NOT AUTHORIZE THESE AT ALL. THS IS AGANST THE LAW AND YOU ALL HAVE NO RIGHT TO FURNISH THESE. I REQUESTED INFORMATION ON XXXX OF 2023 FROM BOTH COMPANIES TO VALIDATE THE DEBTS AND NEITTHER COMPANIES WERE ABLE TO PROVE ANYTHING. I DISPUTED THIS THROUGH THE CFPB PORTAL WITH THUS XXXX COMPANIES AND YOU ALL CAN CLEARLY SEE THAT THEY DID NOT RESPIND IN THE MANDATORY TIME FRAME. THEY ARE BREAKING THE LAW AND FOR THIS THEY MUST REMOVE THOSE ITEMS FROM MY FILES ASAP! I WILL ONLY GIVE THESE COMPANIES XXXX DAYS TO REMOVE BEFORE I REPORT THIS TO THE XXXX XXXX XXXX AND Y STATES GENERAL ATTORNEY. XXXX DAYS ONLY!
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Full Circle Financial Services, LLC (FL)

XXXX hired Full Circle Financial Services ( XXXX XXXX XXXX ) to collect {$140.00} for an item That I never received. They, FCFS, are reporting a delinquent payment to the credit bureaus on a monthly basis. They have been sending me " past due reminders '' on an old email address.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am writing to express my extreme frustration and disappointment concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite my ongoing efforts and repeated disputes, these items continue to be inaccurately reported, and this situation is causing significant harm to my creditworthiness and financial well-being. This letter serves as my formal complaint regarding the unresolved issues related to these fraudulent entries. 

The fraudulent items on my credit report that I have been striving to have removed are as follows : I have diligently reported these inaccuracies to your agency on multiple occasions, providing comprehensive documentation to prove the fraudulent nature of these entries. Despite my efforts, these items remain on my credit report, causing unwarranted damage to my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The ongoing presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, obtain loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items, carefully reviewing the documentation I have provided. It is imperative that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without any further delay. 

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please recognize the gravity of this situation and its profound impact on my financial well-being and future opportunities. 

If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DigniFi (TN)

Dignifi has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and Dignifi regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This account is XXXX XXXX XXXX Account # : XXXX, not mine. I find this fraudulent. Kindly remove this immediately as this may damage my reputation as an employee.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This account is XXXX XXXX XXXX Account # : XXXX, not mine. I find this fraudulent. Kindly remove this immediately as this may damage my reputation as an employee.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I need to be able to place a credit freeze on my credit accounts to prevent unauthorized loans from being opened in my name, in no small part due to Equifax 's incompetence in allowing a breach of substantially all of their consumer data in XXXX. 

Equifax has been required by law to provide a free credit freeze service since XXXX. 

Since XXXX, I have attempted multiple times to open an account on the 'myEquifax ' website to be able to place a credit freeze. Every time I have logged into this account, I have received an HTTP 500 error from their web application, indicating an unexpected error in the software running on their web server. Competent software development operations consider a server returning an HTTP 500 to be an issue to be resolved quickly and task engineers with preventing them from recurring, as unexpected errors may lead to security problems and prevent them from fulfilling their legal obligations to customers, but Equifax appears not to run a competent software development organization or to care about customer experience. 

I have attempted at least three times to report this error so that I might gain access to an account to be able to freeze my credit, and have spent hours on the phone with Equifax customer service attempting to report this bug in their web application and seek a way to work around it. Equifax has never resolved this issue. I have never been able to freeze my credit with them. 

Their customer service personnel at one time insulted me as lacking initiative and thus being unable to get anywhere in life because I was unwilling to locate a fax machine to work around their continued incompetence in building and maintaining a web application.
Consumer complaint received 2023-10-06
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (FL)

I paid a month in advance for a cellular line through XXXX. Over the years they had bad business practices that I eve reported to the XXXX. I eventually paid off all my phone cost and bills that was due. Then I switched services after I got my XXXX unlocked. Months later I get calls from XXXX claiming I owe them another {$91.00} or so. I told them to prove it through billing history, which they never did. Then they sold this account to Sunrise services, which repeatedly contacted me after I told them to provide full and itemized account history of this account, which they never sent or even tried to do. Then all they did was send one way texts to a link to pay the debt. Eventually they reported to the credit bureau. Which now Im claiming false & fraud since they can not provide proof or even communication of this account.