davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-05
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. (MD)

Experian is denying and rejecting me being a Victim of Identity Theft. Along with rejecting and denying all of my official documentations of being a Victim of Identity Theft. Furthermore in supplying the name of the person that committed Identity Theft against me. The re-reporting of XXXX XXXX which violates the FCRA and is Identity Theft. 

Experian is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By Experian doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. Experian has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. Experian has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. Experian has denied Section 605B of the FCRA. Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit.

2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on certain criteria. Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent information.
Consumer complaint received 2023-11-05
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. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-04
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

Requested XXXX repayment plan. Submitted application was approved. now got notice it was denied. Said I filled out an application for a XXXX loan. I did not. I do not have.that loan type First my XXXX loan forgiveness was denied now this. 
I get conflicting information I was told I qualify for the XXXX loan forgiveness then not I was told the XXXX repayment was approved. Now not. 
Do not believe nor trust that they k is what theyre doing. Besides confusing explanations even for me with a XXXX XXXX. None of it makes sense nor can be understood I get information when I speak to service agents. Numerous times Then I get denied Perhaps the idea they have in mind
Consumer complaint received 2023-09-04
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. (NY)

Recently, I requested verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the account ( s ) were verified.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for you investigation of the following accounts, as required by FCRA 611 ( a ) ( 7 ) : 1. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Best Regards, XXXX XXXX
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-09
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$4800.00}
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

My Bank is the XXXX XXXX XXXX On the XXXX of XX/XX/2023 someone gained unauthorized access to my online bank account and attempted to transfer money to themselves at Well Fargo Bank. My bank sent me an alert of the pending transfer and we were able to stop it. 

The same individual using different address, but the same Wells Fargo Bank account hacked into all of my financial accounts along with Spoofing my Cell phone thereby intercepting the XXXX authentications that my financial accounts send out when I do online transactions. 

I was able so far to stop all unauthorized transactions. I also replaced my XXXX card in my Cell phone with the phone company so that it was no longer being Spoofed. 

My bank said I should file a complaint and talk with Wells Fargo Bank. I talked with the service rep for Fraud at Wells Fargo Bank. ( really a waste of time ). I explained what had transpired, to include the banking and personal information of the hacker. I recommended that they freeze this hackers account as he was stealing individuals ' money. While he could see the individuals account number I provided, he said he could take no action. If I had lost any money that my bank would work a dispute resolution with Wells Fargo Bank. 

In addition to the attached photo of the transaction the hacker name and email are ; XXXX XXXX Email XXXX. this individual switches the first and last name from transaction to transaction
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX IS REPORTING AN ACCOUNT XXXX XXXX XXXX ON MY CREDIT FILE THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME I HAVE SENT THE DELETION LETTER TO THEM MULTIPLE TIMES, AND THEY HAVE NOT REMOVED THIS ACCOUNT AND RESOLVED THIS ISSUE LETTER FOR REMOVAL BELOW Your Inquiry to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Services To : You XXXX XXXX XXXX XXXX Thank you. I look forward to hearing from you. 

Thank you. I appreciate your help. 

I look forward to your response. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Re : Account Ending in XXXX Dear XXXX XXXX, Thank you for your email correspondence addressed to the XXXX XXXX XXXX XXXX XXXX and leadership members at XXXX. To ensure your concerns are adequately addressed, I've forwarded your email to me within the XXXX XXXX XXXX XXXX XXXX at XXXX. 



After our investigation, we found that this account and balance do not belong to you. You were a victim of the XXXX Equifax data Breach, and this account was established due to that data breach. We will request that the XXXX major credit bureaus delete this record. 



If you have any questions or want additional information, please call me at ( XXXX ) XXXX. I am typically available Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (OK)

I received a collections notice from Paramount recovery services for a medical bill from 2018. Over a year ago I submitted the same information from a different collections agency for the same debt. I called Paramount and they would not help. 

This is for a hospital stay from XXXX in 2018. My insurance paid the entire bill including three of these charges for the same amount. After spending all day, every day for at least two weeks on the phone with XXXX hospital, doctors, customer care agents and more they still could not identify who I needed to contact about this. 

During the fall of last year I sent this information to you at CFPB and it was cleared immediately as not being owed by me. 

How is it legal for these collections companies to sell invalid debt and hound patients for years? It has destroyed my credit and I am fed up. 

Please let me know what additional information I can provide. Thank you.
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. I have disputed those account 's already for more than 30 days there have been no answer, according to the law that is result of non-verification, which requires that the above accounts be immediately removed from my credit file. 

XXXX {$1300.00} ( opened XX/XX/XXXX ) XXXX XXXX XXXX  {$1200.00} ( opened XX/XX/XXXX )
Consumer complaint received 2018-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called Transunion to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with XXXX and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XX/XX/XXXX
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-04
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

XXXX XXXX XXXX  XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-01-24
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: U.S. BANCORP (NY)

I have 2 revolving CC from US BANK and both accounts has been hit with late fees in 1 month, ,called to rectify and was told it can not be reversed, ,I refused to make the late payment as they claim was late only because they wants me to use online payment and thats the punishment I got for not doing sothe have attached it to my credit score and bought it from XXXX to XXXX and also reduced my limit as well,,, this is a pattern from most of these unscrupulous CC company and must be stopped now because they dont care if your credit is screwed up,,, look into this matter with urgency because I would be putting this info on social media for the consumers to see.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

A company named Portfolio Recovery Associates claim that I have two unpaid accounts with them. The dates the accounts were opened arXX/XX/XXXX andXX/XX/XXXX. The first amount is {$480.00} dollars and the second amount is {$660.00} dollars. I have filed a dispute with all three credit bureaus but I don't believe they have removed these false accounts from my credit report. I have hand written letters to the bureaus also.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did NOT give written permission to have these fraudulent accounts furnished on my report. I surely hope that each company will comply with code ; 15 usc 1681a2 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed out letters on XX/XX/XXXX to XXXX, Transunion, and XXXX However its been over 30 days and the credit bureau failed to send investigation back. I received a stall letter on XX/XX/XXXX from Transunion and XXXX no further information regarding credit investigation. Failure to response letter mailed out to all bureaus XX/XX/XXXX. This investigation has been going on for months well beyond the 30 days. This is not right and violates my rights. 

According to the law 15 U.S Code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's 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 disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (CA)

FCI Lender Servicing in violation of CA HBOR and RESPA X. On XX/XX/18 spoke with the CEO of FCI Lender Servicing who states he would not let me modify or short sale and just wanted to kick me out of his house so he could sell it himself at auction. FCI is operating as a foreclosure mill which are illegal in CA. Furthermore CA HBOR requires lenders and services such as FCI to help homeowners avoid foreclosure which FCI refuses to do. A deed in lieu is still a foreclosure. FCI by law must allow the ability to short sale my home. The end result is the same there should be no reason to not other than FCI is looking to charge it's investors unnecessary foreclosure fees. The operations of FCI needs to be investigated by the CFPB and other regulatory agencies to see how many other homeowners rights are being violated. RESPA requires FCI to  allow me to avoid foreclosure and provide an answer in 30 days. XXXX XXXX whom FCI as acquired the loan from has advised me that my request to avoid foreclosure has been delayed by FCI because they have no desire in helping me, they just want to act as foreclosure mill and foreclose on me.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

This is the second time in one week this has happened. 
I put a stop payment for XXXX and the funds still came out of my account for {$310.00} and I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.