davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (FL)

611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. According to the law stated above, the account with XXXX XXXX XXXX XXXX  should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXX XXXX XXXX XXXX has failed to do this.
Consumer complaint received 2022-10-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX BANK XXXX Balance : {$7000.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-24
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. (CA)

I learned my identity was stolen last year. I put in place credit freezes, fraud alerts, reported to identitytheft.gov and all the things. I did not create online accounts with the three credit agencies, I interacted over the phone. It appears that fraudsters may have created or attempted to create an online account using my identity with TransUnion but not with other agencies. 

My main issue is that many organizations, not just TransUnion, are using identity verification questions that ask me to match names and addresses. Since my identity was stolen there are lots of names and addresses associated with my identity that I have never heard of. Increasingly I am unable to answer the verification questions because I do not recognize the addresses and so can not answer correctly. TransUnion uses these identity verification questions to create an online account and also to call an agent on the phone. I can not get through the questions so I can not do either of these XXXX things. 

I used online chat with a TransUnion agent XXXX  to try to get my inability to create an online account solved. In the end I was told to email a photocopy of XXXX photo IDs to an email address. I had to type the address by hand and out of fear that I might make a mistake, I did not attach the photo IDs but explained the problem so that I could open a ticket. If I got a response from the company asking for photo IDs I would then send them. I never got a response from the company. It's unknown to me if a ticket was opened or perhaps if it was opened they are now interacting with an identity thief or perhaps I mis-typed the email address and did not open a ticket. Meanwhile as I am trying to solve my problem I received phishing emails that appeared to come from TransUnion telling me fraudulent ways to solve my problem ( click a link, open an attachment ) as well as security codes that appeared as if someone who is not me was trying to log in. It appears that fraudsters are using my identity and impersonating TransUnion to further steal identifying information about me. 

The overarching issue is that these identity verification questions favor the XXXX, not the innocent. I have almost been locked out of my retirement account because of these questions. The CFPB needs to do a whole lot more to incentivize solutions to identity theft that don't place all the burden for understanding complex systems on the consumers. I am now not able to manage credit freezes with XXXX of the XXXX credit agencies, I have been unable to solve the problem, and this leaves me vulnerable.
Consumer complaint received 2023-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

The company was Wells Fargo. Around XXXXXXXX XXXX XXXXXXXX. I needed to modify my mortgage. The bottom line is they put me through months of paperwork and then I ended paying more for my mortgage than before I attempted to modify my loan. I ended up having to file for bankruptcy. I always felt they didn't do right.
Consumer complaint received 2019-10-10
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)

XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} DEPT OF EDUCATION/XXXX Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : DEPT OF EDUCATION/XXXX   Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX EQUIFAX : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF  EDUCATION/XXXX  {$12000.00} Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX XXXX  XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I contacted XXXX XXXX XXXX  back on XX/XX/2020 to validate a debt that was showing up on all 3 of my credit reports. XXXX XXXX informed me that they sold the debt and refused to remove the account from my credit files. I also contacted LVNV Funding in writing on several occasions and I have not received validation of the debt or anything in writing from both of these companies and the debt remains on my credit files.
Consumer complaint received 2017-10-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

A representative of XXXX XXXX ( TCN ) told me that XXXX will provide me with {$8200.00} for XXXX XXXX XXXX to XXXX XXXX bridge Program. The amount in question was never paid to me but XXXX upon this promise started withdrawing {$180.00} monthly from my bank account for 18 months for a total of {$3200.00}. Through the 18 months period, XXXX only paid a total of {$220.00} for only one test on my behalf for just one test. However I withdrew from the program because I realized the School was not accredited therefore will not help me pass the XXXX XXXX degree. Subsequently, I got calls from collection agent by name XXXX XXXX XXXX XXXX on behalf of XXXX to pay the balance of {$4100.00} and I refused so they took me to Court. On the day of the hearing I was in the Court but XXXX XXXX XXXX XXXX did not show up so the Judge dismissed the case. XXXX XXXX XXXX went ahead and sued me for the second time. I was represented in the court again for the hearing but before the Judge will release her verdict, XXXX XXXX XXXX XXXX withdrew with a motion of " non suit ''. ( see copy of Court Order ). 
During this time I file petition against XXXX through office Indiana Attorney General Office against XXXX. Following the Attorney general inquiry, XXXX agreed to ( 1 ) give me credit for the {$3200.00} it withdrew from my bank account. ( 2 ) XXXX instructed XXXX XXXX XXXX to stop their collection activities from me ( see copy of release agreement from XXXX ). 
After I thought that the problem was resolved, I started receiving collection calls from another collection agent by name Lockhart, Morris , & Montgomery Inc. for the same case. I wrote a letter dated XXXX XXXX, 2014 ( see copy ) to Lockhart, Morris & Montgomery on all that transpired on the matter and told them to refrain from contacting me but they did not stop rather they put the said amount into my credit record since 2014 as a negative credit report. I have called the collection agent to remove the {$4100.00} negative report from my credit history and record still they refused and that is the reason I am petition against them through you to help release me from the stronghold of this collection agent by compelling them to remove this negative report from my credit record.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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 a account without my written instructions
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents attached.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (FL)

Received first notice of alleged debt on XX/XX/2024, from XXXX XXXX XXXX. Responded via mail with debt verification and debt dispute notice on XX/XX/2024. Received second letter on XX/XX/2024, stating they are willing to talk about services provided. Firm did NOT send any verification information about debt or if they legally owned stated debt. Sent second debt verification notice to firm, again requesting validating information about alleged debt on XXXX XXXX, 2024. 

XXXX XXXX, 2024, received notice of legal action filed on XXXX XXXX, 2024, from Attorney XXXX XXXX XXXX, allegedly associated with firm. Legal paperwork issued had limited information about alleged debt, did not include original agreement between original XXXX parties or other verification information. Listed Attorney of record on subpoena is XXXX XXXX, associated with firm. 

Sent Email to all parties about original debt dispute on XXXX XXXX, 2024. Received response only from XXXX XXXX stating " Thank you for your email. I've escalated this matter to the dispute team. '' on the same day. 

There has been nothing further from any party involved with the XXXX XXXX firm. I believe they have violated FDCPA by not providing any debt verification information at any time during this dispute, by filing legal action while I specifically disputed this alleged debt collection.
Consumer complaint received 2023-02-02
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX. Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX
Consumer complaint received 2023-05-17
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. (PA)

XXXX and XXXX need to remove any late payments associated with account XXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A finical institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Provide proof that opensky is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  ( Original Creditor : 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 an account without my written instructions.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (FL)

I receive more than XXXX calls per day from various numbers associated with NCA. I have confirmed that each number belongs to the company. Despite requesting them to cease contacting not only my phone but also my relatives, they continue to do so, which may be a violation of state law, specifically under the Florida Consumer Collection Practices Act ( FCCPA ), Section 559.72, which prohibits harassment or abuse in connection with the collection of a debt. Additionally, on XX/XX/XXXX, I sent a dispute via certified mail, requesting validation of debt as per 15 U.S. Code 1692e 10 regarding false or misleading representations. Specifically, I request proof of the alleged late payment, including the original application, contract, note, or other instrument bearing my signature. If unable to provide such proof, these items must be promptly removed from the report.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IN)

PNC Bank will not let its consumers link to finance apps to borrow money. These apps include XXXX, XXXX, XXXX, XXXX, and others. As this is a bad time in the world and these legitimate services are offering small cash advances I should be allowed to participate. Yes, there are risks involved in using third party apps linking to bank accounts, but that should be my risk to take.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MA)

I purchased at item on XXXX with a PayPal credit card. The item was a designer used handbag. When the item arrived I paid to have it authenticated because it was clearly not authentic. It was deemed a fake so I started to try to return on XXXX but the seller was removed due to a violation. I immediately called PayPal to try to resolve. They started the process of the dispute but then after a month stopped responding. I then checked with XXXX and they had closed my return request because I had started a claim with PayPal. I then called SynchronXXXXXXXX  bank ( who manages PayPal credit ) and opened a dispute with them. I submitted all my documentation via trackable USPS. They closed the claim and told me to return the item and that I would receive a refund. I have no way to return the item as the seller on XXXX was removed. I opened and second and third claim and talked to customer service explaining to them that I need the return information. Their latest letter states that they contacted the seller and that I can return the item and the seller will review the quality of the bag. They did not provide me the sellers return information, so I can't return. I don't believe that they have done anything to resolve this matter. The charge was for {$1400.00}. Thank you, XXXX XXXX