davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$8000.00}
Consumer complaint received 2020-08-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (NC)

This collection agency is reporting a debt for the amount of {$3200.00} on My credit report. I previously disputed the account and the collection agency verified the debt to the credit bureau. As the consumer Being affected by this, I wrote to this collection agency requesting additional information and signed documents for the debt. They replied with a list of date of treatments. The letter is vague, it does not contain the medical provider name and address and no signed documents
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I received a car loan from XXXX XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My Equifax report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of 2017. Most importantly I have obtained a full payment history from the XXXX website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.
Consumer complaint received 2020-08-11
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. (NJ)

I received a car loan from XXXX XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My XXXX  report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. Transunion reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of 2017. Most importantly I have obtained a full payment history from the XXXX website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (NY)

On XX/XX/2020 I send a debt validation letter to this company. They did not respond to my request for validation. I also ordered them to cease and desist all collection efforts if they fail to validate and they continue to collect on this account and report this alleged debt to my consumer reports.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I received an SBA loan ( disaster relief loan ) of XXXX $ deposited in my Suntrust account. The next day my account was closed by Suntrust and I had no notification as to why?? Its been two plus months of me calling, put on hours long hold time, speaking to several supervisors and still no letter of verification as to why my Suntrust account was closed and no check with my balance that I had in my account, a total of {$9300.00}. After two plus months of trying to get the letter explaining why my account was closed, at the very least, so I am able file a complaint with the proper bureaus with some type of proof is still unavailable to me and I have received nothing except a email on Saturday, XX/XX/XXXX at XXXX XXXX   stating my account was closed and I can look up the document but when I attempted to I was still unable to. It is now XX/XX/XXXX and I am filing a complaint to protect my consumer rights that Suntrust is violating and the crime of them taking my money from me and not distributing it back.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries : 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 2020-08-11
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. (AR)

I pulled my credit to myself for the first timed I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$110.00}
Consumer complaint received 2020-08-11
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. (AR)

I pulled my credit to myself for the first timed I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$110.00}
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BCI FINANCIAL GROUP, INC. (FL)

Following the filing of a Complaint with your office, City National Bank drained my account. So far they have not informed me of the disposition of almost {$6000.00} the account held! 

I reached out to the Bank this morning and I do not believe they will respond to me! 

I have an open complaint with the bank on file with you/ Claim number active on file is XXXX relating to the ho0ld on funds! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 51 minutes ago ) to Dhaanwatie, XXXX, XXXX Thank you for your continued callousness and non communication! 

I see that as of this morning, my Account balance is at XXXX! Please make ABSOLUTELY CERTAIN that this account is CLOSED, effective today! 

Also please confirm disposition of the funds that the account held! Because it contains STIMULUS money and Social Security funds, please confirm these funds will be reimbursed to me and provide a timeline on disbursement of funds being returned to me! 

Your response will be shared with the Financial Protection office! 

I can not say it has been a pleasure working with you! It certainly has not! 

XXXX XXXX XXXX Please note that beside the banker I have also e-mailed the President of City National Bank
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have opted out from this company 's reporting my non public information. 
Name of Account : XXXX XXXX XXXX Number : XXXX Status : Opted Out CFPB complaint number : XXXX to XXXX XXXX XXXX The attached letter was sent via certified mail to XXXX XXXX XXXX.
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I paid off my XXXX XXXX and XXXX XXXX XXXX   Transunion never updated it so I contacted the credit card companies who gave me specific dates on which they reported the three bureaus. XXXX and XXXX is reporting accurately. Transunion isnt. I disputed in XXXX the dispute came back as the information they reported was accurate. I then disputed again explaining that is not accurate information as well as the credit card company telling me they reported updated info to all three bureaus this is effecting my credit score tremendously. I have worked hard to get my credit score up because Im trying to purchase a new car but I have been unable to do so because TransUnions does reflect an accurate credit report or score. I have called and spoke with customer service reps who were rude and did not try to assist me with my issue. I just want my information corrected and to stay updated monthly like XXXX and XXXX  please help
Consumer complaint received 2020-08-11
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: CBC Companies, Inc. (OH)

Upon recently checking my credit report I discovered some unknown accounts. I've already sent out an FTC complaint and CFPB complaint as well. Please be advised I am disputing validation and proof of claim of the disputed debt requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but simply a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting 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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-08-11
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. (OH)

Upon recently checking my credit report I discovered some unknown accounts. I've already sent out an FTC complaint and CFPB complaint as well. Please be advised I am disputing validation and proof of claim of the disputed debt requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but simply a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I had opted to take the option of the forbearance program with Wells Fargo as I was at risk of losing my job. As soon as I heard my job was secure I called Wells Fargo on XX/XX/XXXX and had asked to be removed from the forbearance program. I was then told by the rep I spoke with that I had been taken off the forbearance program and my payments would be put on the back on the loan and I would have my documentation in 30 days. So I started making my payments again, first one made on XX/XX/XXXX. Somewhere on the XXXX someone at wells fargo did something to my account " according to a gentleman I spoke with from the home preservation department '' and I was kept on the forbearance program although I did not request that. As time went on I had decided to refi my home come to find out somewhere in the neighborhood of XX/XX/XXXX form the company I was using my bureau was still showing as in forbearance. So I escalated my case to Wells Fargo executive branch and within a couple weeks I had finally been taken off forbearance and my payment deferred to the end of the loan. With that being said I had been making my payments this entire time XXXX XXXX & XXXX XXXX and they were applying that to the missed payments. Because of being lied to by Wells Fargo from the initial date of XX/XX/XXXX I can not refi my home for 3 months due to the forbearance being removed last week XX/XX/2020. If this was done the way I was told on XX/XX/XXXX by a Wells Fargo team member I would be able to continue my refi today because they require 3 months of payments when removed from forbearance. Now I have to start my 3 month period now instead of XX/XX/XXXX. This directly effects my ability financially to better my financial situation and has now cost my wife and myself a credit pull and as they will have to repull in 3 months. Not quite fair that I am told I don't get to have the documentation that I need yet their employees get to tell their customer whatever they want to and get away with it causing stress and frustration for the ones that pay them money! Just spoke also to XXXX XXXXwall who was getting very irate with me and my request, and telling me that I am asking her to do something illegal which is not true or accurate. I am asking them to do what I was told and should have been done in the very beginning on XX/XX/XXXX. I asked for her supervisor XXXX XXXX XXXX XXXX and she told me she is not going to give me his contact information as it is against company policy to provide me with his information. I asked XXXX to provide me with all the notes in the system that have been written by all the analyst I have been speaking with since XXXX she told me she CAN NOT provide me with those as they are confidential. I then told her that they are not confidential as they are notes regarding MY account and I want them and all of a sudden they would be able to provide them but it would take longer. Just another example of how they are lying and covering their tracks so they don't get caught.