davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (NC)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX have failed to provide me with a binding contract showing where I signed anything to agree to pay them. you provided me with an original contract ( from XXXX XXXX XXXX who I already purchased a car from that was sold due to the loan company paying it off ) I'm asking for the contract where I signed to agree to pay you directly. XXXX XXXX XXXX contract had been voided due to not following through with contracts. They went into bankruptcy and sold my personal information illegally to a third party in which I never agreed to.Next I will be filing this with the my attorney if it is not removed immediately. You have 30 days under the consumer laws to report me with a contract that strictly say I signed with XXXX XXXX XXXX. I look forward to hearing from you.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete 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 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 2023-01-03
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: Experian Information Solutions Inc. (SC)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.
Consumer complaint received 2021-05-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC (MD)

TBI mortgage and specifically XXXX XXXX has held back information, lied repeatedly about policies about the VA home loan process, and has been disrespectful and rude every time I call to get an answer on my VA home loan. I've tried to get answers, documents, etc. And he refuses to work with us. XXXX goes out of his way to make buying a home hard and his distruss and unethical behavior reflects poorly on his company. Woukd like to work directly with his supervisor as this is falling in the line of Veteran discrimination.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Prior to moving out of an apartment the office demanded that all payments be made to settle the account while making the monthly payment. I PAID more for the last month of the lease than I did any other month while living at that complex. After moving out of apartment complex I was charged for fees totalling almost XXXX dollars. Innitially I contacted several team members regarding this error. Explaining that all fees were settled while making monthly payment as demanded. The office refused to accept the rent check unless these fees were included with the final monthly payment. 10 days after move out i recieved a phone call from the office stating they had not recieved the rent. Explained that I had moved out please check your records and maintenance logs proving move out inspection completed. Two months later recieved phone calls stating balance remained. Each time someone said they would look into the charges, nothing was done. When directly asked to explain the charges, no one could definitively explain how the charges were assessed after move out. I have multiple emails detailing inquiries and non follow up from the office staff. 

Further this was a joint lease with a roommate. I am being assessed 100 % of the cost not 50 % through a collection agency. Upon inquiring with roommate he is also being assessed for 100 % of cost not 50 % through the same collection agency.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES ()

Company is calling repeatedly during appropriate hours after notification that arrangements had been made with the creditor long before they got involved. The account is paid regularly and while not necessarily on the date due but not far from it.he account began with a debt over XXXX and is not nearing XXXX. Its not a problem and is always paid. 

We wrote letters to the company demanding the calls cease. Offering multiple other ways to contact. Letters were sent on XXXX and XXXX. Calls continue. Most recent calls are twice to 2 differing phone numbers today XXXX at XXXX XXXX Also, calls were made on XX/XX/2021 at XXXX XXXX XX/XX/2021 XXXX and XX/XX/2021 XXXX XXXX Otheer times as well but apparently they were not logged. We will continue to do so, but still the company had been advised to cease and desist and have failed to do so. We have the right to stop them from calling and have not done so. Please do what you can. Thank you. XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SCA Collections, Inc. (TN)

I have 3 accounts in collections for XXXX or XXXX XXXX emergency when I had and still have XXXX health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MiraMed Revenue Group LLC (TN)

I have 3 accounts in collections for XXXX or XXXX XXXX emergency when I had and still have XXXX health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I received a {$20000.00} deposit from XXXX XXXX for the XXXX XXXX XXXX. On XX/XX/XXXX I went inside the branch to withdraw {$10000.00} the teller discriminated and initiated a fraud alert on my account by contacting the back end office. 

I was told at that time in order for me to receive my funds I would have to email the fraud dept. a copy of my article of incorporation and taxes. On XX/XX/XXXX I provided by email a copy of my office lease, current business phone bill, merchant account billing statement, XXXX & XXXX tax returns, a purchase order statement, and checks cashed by Capital One on my behalf from the business because I write myself checks every week. 

All my accounts were restricted and I was not allowed to withdraw any funds which was totally illegal, at that time Capital One could have exercised their at will ability to close the other accounts but should have NEVER not allowed me access to the other accounts. 

I was told that someone would investigate the documents and get back to me. On XX/XX/XXXX I called to follow up and have being done so ever since by calling and stopping into the branch and no one has been able to assist me. The teller says they can not verify my documents or touch my account because the case has been assigned to an investigator who clearly isn't doing much investigating. 

On XX/XX/XXXX Capital One accepted the 2nd draw of my XXXX loan although they have informed me several times that the account was closed. They should have rejected the deposit, but instead they accepted the deposit and still has me restricted to access my funds. 

Everything that Capital One is doing is illegal. I am legitimate business owner and I get that there are people taking advantage of this loan but there should be measure put in place to investigate and release the funds to consumers and business owners like myself who pay taxes and deserve this relief!
Consumer complaint received 2024-03-26
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. (TX)

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 :
Consumer complaint received 2017-09-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alco Collections, Inc. (LA)

A couple of months ago I tried to dispute a debt that was reported on my credit by Alco collections. The debt is a debt that is not owed by me. Me and my fianc at the time were renting a house things didnt work out we both agreed to split. We both talked with the property manager and she agreed to remove my name off of the lease and to change the locks. I didnt have a key to the property. He still lived there. He had an unpaid balance when he left the house and it reported on my credit also. Last year in XXXX I contacted the property and the manager wrote me a letter stating this debt does not belong to me. It still reports on my credit. I contacted the collection agency sent in the document that the property manager typed for me. He was very rude and unprofessional. He was supposed to get back with me and never did. My ex fianc even tried to contact him to explain that this was his debt. Hes hung on him several times. Today I called again and he returned my call a couple hours later. I explained to him that its been a month and he still hasnt gotten back with me after the investigation. He rudely says its your debt! I tried explaining to him again the situation he cuts me off says Ill send you the paperwork and hangs up on me. I called back several times and left messages. No one from the company will even return my call. I even offered to give him my ex fianc number to call and he hangs up on me. This is over bearing simply because I can not rent or buy with this debt of XXXX $ on my credit that doesnt belong to me. XXXX XXXX XXXX is one of the rudest and inconsiderate people Ive came in contact with and he should not be employed there.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX I sent 2 request one certified and 1 email requested verification of an account, I also sent documentation of the request to all major credit reporting agency. After 45 days and no response from creditor, but getting notified by credit agency that my dispute was complete and verified as accurate, I filed a complaint with you CFPB the complaint was against the creditor reporting the debt and the creditors all 3 majors. I received response that the company was still working on my concern/complaint that was on XX/XX/XXXX, after speaking with someone at CFPB I was advised that my complaint would be sent over to the FTC for further action. I have submitted over 4 additional disputes in addition to the disputes submitted before I file the complaint, I have still not heard back for the creditor but all the creditor reports have been updated except for XXXX. The creditor held this account for almost 5 months and would not speak with me, the joint applicant filed bankruptcy but we were legally no longer together but I discovered the account was in bankruptcy via my credit report the refuse the balance that was on the account at the time of joint applicants bankruptcy but demanded the added additional fees, change the account type, dates and status several times. removed the joint applicant from the account and made it individual.
Consumer complaint received 2021-05-19
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. (TX)

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans Union will not remo ve old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid in full.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating my credit file " as paid '' is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractualdocuments stating and proving that I agreed to and that I am responsiblefor this account. There have not been any agreements baring my signature provided. Therefor, TSI has no  legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2021-05-19
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. (WA)

XXXX has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at XXXX, as well as my response to his note, which confirms the mistakes that XXXX made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, XXXX completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with XXXX now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of XXXX even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''
Consumer complaint received 2023-08-09
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$59000.00}. 

XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I couldn't apply for any loans because of the negative items list on my report that shouldn't be there.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.
Consumer complaint received 2021-05-19
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. (IL)

Someone opened Student loan account with XXXX XXXX on my Name. and took XXXX . The account was opened on XX/XX/2021. 
I noticed this fraud account on my credit report on XXXX XXXX and disputed the report with TransUnion. TransUnion simple reported information correct and did not remove the account. 
I have also contacted XXXX XXXX and tried to explain to get more details and close the account but did not received any good response. 
-- -- - Below is information I see on my credit report -- Account Number XXXX Creditor 's Name XXXX XXXX Type of Industry Personal Loan Companies Address XXXX XXXX XXXX, XXXX , UT XXXX Account Balance XXXX Payment Status Current Creditor 's Preferred Contact Method Other
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Special Financing Company, LLC (TX)

Well I heard from somebody a company that would give me a loan. It all sounded ok, and I even gave my information at the begining. But, they told me I did n't qualify and then they said I did -- so when they said that I retracted because that sounded fishy to me and I just figured it went away because I never received the loan from them. They then turned around and used my information to get into my bank account and get money from me monthly that they never gave to me.
Consumer complaint received 2024-03-26
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. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.