davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-12-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

Fifth and third bank bought our mortgage for our original lender before covid happened. During covid me and my husband lost our jobs and where unemployed for about 3 months so we got behind on our mortage by 4 payments but we have been paying on time ever since. We got on one of the covid plans with our mortgage company and signed paper work to put our missed payments on the end of our loan. They refuse to honor that. We have been fighting with them for a year now about it. They keep sending us loan modifications that raise our monthly payments and we keep telling them we arnt signing them. We applied for a grant threw XXXX to get this taken care of. I applied in XXXX and they have been waiting on fifth and third to respond to their request since then. We have called them multiple times and told them this so they would contact them. They deny that they did try and contact them but then say that they did. Fifth and third call and harass us for payments constantly and we tell them the same thing every time they call. To either honor our original agreement to put the missed payments on the end of our loan or respond to the program we applied for and they dont want to do either and just make excuses. Now they took 2 payments from our bank account last month and are refusing to credit them to our account. Something needs to be done because this company is ridiculous and no one you talk to seems to have any answers.
Consumer complaint received 2022-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Back in XXXX of XXXX an unauthorized purchase of {$940.00} was charged to my XXXX acct. I immediately opened a fraud claim for this purchase in XXXX and XXXX did nothing to investigate for 4mo. After repeated demands on my part they denied claim and stated I needed to fill out an Identity theft affidavit and submit to them in XXXX of XXXX, which I did and still nothing has been done since then to rectify this claim. Since then they have disrupted my entire financial existence by reporting inaccurate late claims to Experian causing my score to drop over XXXX. despite the fact they have NOT completed my fraud claim. I have disputed with Experian and XXXX  to no Avail and NEVER missed a payment relating to my personal acct that I WAS responsible for with XXXX. I have since then found that my daughter was responsible for the charge and both her and I have provided this info to XXXX, still no changes have been made to my acct to reflect I did not authorize this charge. Legal letters from Attorney has also been submitted to XXXX and Experian on my behalf by certified mail, Which they received on XXXX and XXXX. 
I do not understand how a company can get away with such things without basis, and have processes they do NOT follow. I recently lost my XXXX XXXX in XXXX and have had XXXX harassing me ( despite I should NOT be receiving demands during open dispute claim ) during a time I am barely holding on mentally. I am trying to refinance my home but this credit reporting is hindering from doing so because of my credit score. I am pleading with your company to help to resolve. I have exhausted all known measures to me!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX credit card, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information.

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. 

XXXX did not conduct an investigation, contact myself, contact thirdparties, or review underlying Account information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute.

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by Barlcays rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the XXXX Accounts to third parties.
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (OR)

I am a XXXX year old female who has been XXXX since XX/XX/2017. 

I have been unable to get the medical care needed because my phone and emails have been hacked and re routed to XXXX XXXX, a collections company that has nothing to do with health care. 

They access private medical records and apply fictitious charges to billing accounts to generate cash flow revenue for facilities and for their unjust enrichment. They work with Navient to collect student loan debt. I do not owe student loans anymore, they are attempting to collect on legally unenforceable debts. 

They are committing fraudulent, misleading acts that are UDAAPs in violation of the CFPA. 

They are under a legal obligation to comply with the FFELP and the FDCPA, and willfully choose to conduct deceptive acts to steal money without consumers knowledge ... i do not owe them anything, never signed a legally binding contract with them, and they are jeopardizing my health and well-being and finances. 

They are essentially commtting attempted murder in this instant case. 

They have no authority or right to impersonate a health care facility and interrupt my healthcare. 

I will be naming them in a lawsuit filed in the district court. I want them to remove my name from their records and leave my life and affairs alone. 

This is not legal. It is a severe infringement and they are criminals as well as civil violators.
Consumer complaint received 2022-05-31
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. (GA)

n accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXXXXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # : XXXX,
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-04
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. (NV)

Remove these items from my report according to the law. 
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date, you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.

Should you continue to operate with complete disregard for the law, I intend to seek redress in a civil action for recovery of damages, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under the law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within 15 days of the completion of your re-investigation.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

Upon relocating to Alabama for work I rented a property from XXXX Properties. My rights were violated because I was informed that the deposit was {$2000.00} so I signed the lease and paid {$3600.00}. I was given permission by XXXX XXXX XXXX XXXX XXXX Properties to have access to the property prior to moving in to paint the XXXX XXXX pink and canary yellow walls a neutral tan color. I was told the carpet and house would be professionally cleaned prior to move in and neither was done. XXXX informed me that I would not be responsible for the cleanings on the way out verbally and in writing. ( 1 ) I found out during my research that it is illegal in the state of Alabama to charge more than the monthly rent for the deposit. I called XXXX XX/XX/XXXX to find out what my options were for ending the current lease and they told me that they find someone to sublease the property. Lease was signed in XX/XX/XXXX started in XX/XX/XXXX and I went to California to assist my daughter XXXX XXXX with the birth of her twins. XXXX kicked in and I was stuck in California. I had my nephew taking care of the property and yard while I was away. When XXXX found a tenant I paid someone to pack my belongings and my son drove my belongings to California. My nephew swept the house clean and we did a facetime video before he turned the key in. The house was left cleaner at moveout than it was prior to move-in. There was a major storm between the time the home was vacated and when XXXX visited the property. I received a call from XXXX informing me that the house was trashed as I knew this was not true I asked them to send me proof. I received pictures of the same spots I sent them upon moving in after I cleaned the carpet 3 times with my XXXX. Through email I received a list of charges after 4 years of normal wear and tear I corresponded with XXXX in an attempt to resolve this and was informed I would receive a call from the owner the next day ( XX/XX/XXXX ) and the next call I received was from a collection agency ( XX/XX/XXXX ) XXXX XXXX who first misrepresented themselves by telling me they were attorneys representing XXXX. I sent XXXX XXXX XXXX XXXX the documentation and pictures I sent XXXX explaining why I wasn't obligated to pay the charges and they told me they basically had nothing to do with that and XX/XX/XXXX they reported the inaccurate information onto my credit file. All communications was done through email with the owner 's secretary. They were given my forwarding address several times, but I never received anything in writing by mail informing me of the retention of my security deposit within the 60 days allotted by law according to Alabama landlord/tenant laws.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-07
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I recently had my Fifth Third bank account close in XXXX XXXX XXXX, they said it was due to suspicious activity. And when I asked for the information as such, they said they couldn't provide it to me because it was secured information. When my accounts were closed, they were at a XXXX balance. Now they are saying that I owe them {$250.00}! From where what is I want to know, and I have yet to receive an answer and now it is showing up on my banking reports as a bad account and XXXX it removed and cleared. I have reached out to them numerous times without a clear answer, and I just need this to be resolved.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (AL)

I received message from American Express and XXXX  that my credit has been reduced due to excessive inquires. I have not applied for credit with any source over the pass 18 months. I called XXXX XXXX  and requested they stop but they have run it daily Please assist
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. Again, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Consumer complaint received 2018-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation (OH)

I have had a personal loan with Avant, LLC since XX/XX/XXXX. In the past, Avant was responsive to questions, requests, etc. In order to gain additional control over payment dates, I asked to be unenrolled from automatic payments, since this could not be done within Avant 's web interface. On XX/XX/XXXX, I notified Avant, LLC that I was revoking ACH authorization effective immediately and received a automatically generated message notifying me that I had opted out of automatic payments. On XX/XX/XXXX, however, Avant, LLC automatically processed my loan payment. I did not schedule this payment. In other words, the revocation of ACH authorization was not respected. I notified Avant of this on XX/XX/XXXX and did not receive a response of any sort until XX/XX/XXXX, which was to notify me that my inquiry had been escalated to the appropriate department. Later on XX/XX/XXXX, I received a message stating that Avant was not able to " ... substantiate your claim that you did not authorize the payment processed on XX/XX/XXXX. '' I continued to pursue the matter since I know with complete certainty that I did not schedule or authorize this payment. Eventually, Avant did  offer to reimburse me for this payment which would, at this point, make my account late ( additional fees, etc. ). On XX/XX/XXXX, I received a message thanking me for my feedback and assuring me that they " treat all customer feedback as a learning experience. '' While possibly unintentional, Avant violated 12 CFR Part 1005 ( Regulation E ). As a consumer, I have the right to revoke ACH authorization and for that revocation to be respected. Avant, LLC did not do this and did not provide reasonable remediation within an acceptable time frame. Thank you in advance for your assistance with this matter.