davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CB/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft DSNB XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number  : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft CB/XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-17
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: Bread Financial Holdings, Inc. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

15. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-07-22
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. (PA)

Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.
Consumer complaint received 2024-02-28
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. (TX)

According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, it is a legal requirement for you to physically verify the original signed consumer contract for any accounts that you include in a credit report. Failure to do so could potentially lead to the inclusion of fraudulent accounts submitted by individuals paying for your reporting services. I Requested verifiable Proof such as 1. Name of the original creditor 2. Creditor 's address and telephone number 3. Name of the person with whom the dispute was verified 4. Documentation used to verify the dispute 5. An original consumer contract with my signature, to be provided for the account mentioned below.

They verified the accounts and updated them without providing one piece of evidence proving that these are in fact my accounts. I'm taking legal actions against them for failing to abide by Fair Credit Reporting Act.
Consumer complaint received 2024-02-28
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR DELETED COMPLETELY FROM MY CREDIT REPORT : Inaccurate Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for XXXX XXXX Midland Credit Management is employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX  v. CXXXX XXXX XXXX XXXX v. XXXX, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). I have contacted XXXX requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX  vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

On or about XXXX XXXX, a counterfeit check with a forged signature cleared our account at BB & T Due to transition in management, we were a bit behind and did not notice the fraudulent item listed on our Bank statement until XX/XX/2021, at which time we immediately notified the Bank XXXX 
Upon research, it was clear that the individual check was not one of our check stock and out of our number sequence, nor was the signature authorized when compared to the RESOLUTION on file with the Bank. However, the Bank has refused to own their mistake of paying an unauthorized item, which now presents harm to us in the amount of {$80000.00}. 
We feel the Bank has subjected us to Unfair Deceptive Act and Practices ( UDAAP ). We believe this practice to be UNFAIR in that the bank provided access to our funds in a significant amount to an unauthorized party. We believe that the Bank had a stronger transaction monitoring system, they would have been alerted to this unusual transaction. Since we normally transact by wire transfer, a large dollar item presented as a check should have alerted as an uncommon transaction for us requiring manual review. A manual review of previous checks would have alerted to a different check stock as well as a forged signature. 
The Bank also is DECEPTIVE in the protection they provide on negotiable items. Our RESOLUTION AND AGREEMENT FOR DEPOSIT ACCOUNT requires the company to provide the authorized names and SIGNATURES on the account, giving the impression that one is necessary ( which neither were in this instance ) to access our funds. 
The RESOLUTION further states that the Bank will only honor items " when signed or endorsed by an original or facsimile signature of any ONE authorized signor ''. In this instance, neither authorized signor signed the check that was honored by the Bank. 
We additionally believed that the Bank has likely covered fraud items before, even if notified beyond the time frame they are now saying we had to notice and report our fraudulent items. However, the Bank will not disclose any instances of past decisions that support or negate their decision in this matter. We find this to be not only deceptive, but certainly unfair to treat one account holder in a situation differently than another account holder. 
We would like an analysis of how the Bank has handled their negligence in paying counterfeit and forged items previously, and would like to see in the analysis if minority account holders are less likely to be favored by the Bank 's decision on accepting responsibility.
Consumer complaint received 2021-06-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AL)

I had to file Ch XXXX bankruptcy in XX/XX/XXXX because my husband was unemployed from XXXX XXXX XX/XX/XXXX and I could not pay all of the bills on my income alone. He started working in XX/XX/XXXX and lost his job in XX/XX/XXXX. He applied for Unemployment but was denied because he had not worked long enough. From XX/XX/XXXX - XX/XX/XXXX my hours were decreased due to XXXX, and from XX/XX/XXXX - XX/XX/XXXX I had to go on XXXX and I fell off payroll and did not receive a paycheck at all! I used my stimulus checks and tax return to pay utilities and buy groceries, but I had nothing left! I was unable to pay my Ch XXXX payments and I contacted my attorney and informed him of the situation of my income. I received a letter from the courts last week stating my bankruptcy has been dismissed! 

Last week, I received a notice from Mr Coopers attorney, XXXX XXXX XXXX stating as of XX/XX/XXXX the protection for motion to stay was no longer in effect and I assume the foreclosure has restarted. I contacted Mr Cooper and told them that my attorney had not responded to me, and I was going to the bankruptcy courts to provide them verification I was unpaid for 3 full months because I was out on XXXX. However, I thought my forbearance did not expire until XX/XX/XXXX. The guy stated he would update the system and inform their attorney XXXX XXXX XXXX. On today, XXXX XXXX ( my bankruptcy attorney ) contacted me and said we have a court date for XX/XX/XXXX to reinstate my bankruptcy but the mortgage arrears will not be eligible to be included now?!?! I dont understand why not, and I told him as of XX/XX/XXXX I have been terminated from my job & I have applied for Unemployment. Online, it shows my mortgage is now behind over {$40000.00} and Mr Cooper is also charging me over {$5000.00} for their legal fees, inspections, and other expenses that I was not made aware of, nor did I agree to pay!! Hardest Hit of Alabama is no longer taking applications and I am trying to get an appointment with Consumer Credit Counseling or FHA to get mortgage assistance & help with my car note and other bills.
Consumer complaint received 2021-01-28
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2021-06-17
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: CCS Financial Services, Inc. (NJ)

1. CCS COLLECTIONS I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.
Consumer complaint received 2021-06-17
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. (NJ)

Since the inception of the car loan XX/XX/XXXX, XXXX XXXX XXXX XXXX has failed to report all the payments I made and on time, and I just payed the entire loan off on XX/XX/XXXX, and to date I have not gotten any credit, and they failed to report it to Experian, XXXX  and XXXX. I have made multiple calls, including communicating to their corporate/office of the president for years, and their answer is " we are working on it ''. 
Last call I made out to them was today and they said that, '' they will look into it and to allow 7-10 business days ''. I will soon be applying for a loan, and credit score and history, especially of a paid off car loan would significantly increase my score which will give me better finance rates. I would appreciate your assistance in this matter. 
Thank you, XXXX XXXX.
Consumer complaint received 2021-06-17
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. (TN)

On XX/XX/2021 I sent letters informing XXXX Equifax and XXXX of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship for us can you please investigate.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021 I sent letters informing XXXX XXXX and TransUnion of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX XXXX  and TransUnion another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship for us can you please investigate.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

Citi bank sent a letter in XX/XX/2020 stating that my account was closing do to a fraudulent activity, stating that a check would be issued for the balance. 30 to 60 days. I have called every week since then, and no one can give me an answer to where my money is. I got my last statement on XXXX In that statement it said that this is my last statement the account is closed. It is now XXXX and still no answers or money. I have no where else to turn
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (PA)

I have written Waypoint Resource Group multiple letters asking them to identify themselves and to give purpose for why they are reporting to my credit. Waypoint has failed to respond to any of my requests for validation. I am a consumer, and the FCRA grants me the right to request validation from a creditor for an account on my credit. They have failed to meet the obligation set forth before them. I also have the right to dispute a debt pursuant to the FDCPA, and they have failed to respond to my dispute, and have continued to report said disputed debt, which they can not validate. They are directly in violation of these two laws that were written to protect me! please use your authority to help any way you can!
Consumer complaint received 2021-06-17
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. (NY)

XXXX XXXX  has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lending Club Corp (AZ)

I took out a personal loan with LendingClub before the XXXX and was paying {$170.00} approximately every month. When the XXXX hit, I was affected and immediately let LendingClub know I am having difficulty making my payments. The best LendingClub could do for me was split my payments up as {$86.00} and {$86.00}, still paying the full amount each month. It became a hardship and I requested they give me an extension which they denied many times. Due to the hardship, I became late on my payments by 3 months. During this time I still attempted to call LendingClub to request an extension. Recently, as things are improving with the economy, I sent LendingClub a letter requesting how we can settle my debt. They did not respond and two days letter " charged-off '' my account. The indicated it was charged-off in XXXX, but I didn't receive notification until XXXX. 

I called LendingClub asking why they charged it off and how I can pay off my balance. LendingClub stated the account hasn't been sold to a debt collector yet and is pending. I offered to pay off my loan in the amount of {$2500.00}, the amount actually owed without them adding their interest and late fees. LendingClub agreed to the settlement, however they want to mark this on my credit report still as " charged off - settled in full. ''
Consumer complaint received 2021-06-17
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. (NY)

XXXX XXXX has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.