davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (OH)

I desputed this sXXXX account XXXX and its still reporting inaccurate information and violating my rights under the fair credit reporting act. 1.Date opened is inaccurate. 2. High credit is inaccurate. 3. Last reported is inaccurate 4.Date last active is inaccurate 5. Date last payment is inaccurate 6. two year payment history is inaccurate. and my rights violated under 15 U.S. Code 1681a-Definitions ; rules of construction ( 2. ) Exclusions-Except as provided in paragraph ( 3 ), the term " Consumer report '' does not include- ( A ) subject to section 1681s-3 of this titile, any - ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 15 U.S. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) reporting information with actual knowledge of errors.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 with out my written instructions 15 U.S.C. 1681c ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 yrs.
Consumer complaint received 2021-01-15
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: OneMain Finance Corporation (NY)

XXXX advised unknown and unconsent credit inquiry from OneMain Financial through 3rd party, XXXX XXXX, as of XX/XX/2021. As of XX/XX/2021, reached out OneMain Financial to take down {$4000.00} online load application from unknow identify theft through XXXX XXXX, and filed report as fraudulent transaction. 
XXXX has set up fraud alert to me. OneMain Financial is supposed to send petition letter to XXXX for this unconsent credit inquiry.
Consumer complaint received 2021-01-15
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. (PA)

In effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX  opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XXXX of XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

XXXXx had an address for me in California. 
XXXX had my birth year off by 5 years. 
Experian has an alias of XXXX XXXX. 
Someone had an address for me in Illinois and Kansas. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.
Consumer complaint received 2021-01-15
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. (PA)

In effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX  opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX Card XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XX/XX/XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (MN)

I noticed some collection accounts that were not accurate on my report with Equifax. The 3 collections are from a company called XXXX XXXX. The collection balances are as follows, {$450.00}, {$380.00}, & {$99.00}. I submitted a dispute with them online on XX/XX/2020. I have attempted to follow up I successfully. Online I was given an expected completion date of XX/XX/2020. Today is XX/XX/XXXX and the 3 items in question are still on the report and my rights have been violated.
Consumer complaint received 2022-04-19
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-15
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, Trans Union or XXXX. The card is not prepaid, ALSO my credit score was in the mid XXXX at the time I applied, now my score on XXXX  in reflecting XXXX, XXXX XXXX uses XXXX XXXX  which reflects XXXX, TransUnion reflects XXXX and XXXX  shows no score. Capital One Fails to report my score to XXXX, Trans Union and XXXX  which does not help my bank with the application for a home loan.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I received a call from regions bank on my cell. The caller ID showed as regions bank. The man told me my checking account was being accessed from a strange IP address and regions wanted to verify if it was me or fraudulent activity. 
He knew my name and of course my phone number and home address. 
I was just finishing up my work day and was in a bit of a scramble so when he asked to verify my login info ( he said the hacker may have changed my information ) I didnt hesitate and told him my user name and password. 
Next he had told me they were attempting a transfer from a cash app called XXXX and said I would be getting a text with a code and I read the code back. I told him I had to pickup my daughter and was running late and the call ended. Moments later I had an email from regions stating I made a payment to XXXX XXXX for {$790.00}. 
I called regions immediately and they said they could not do anything while the payment was pending. 
The very next morning I took off work and my husband and I went to the local branch and they closed my account for me. Opened us a new account. And she said she filed a dispute over the charge. 
Then the dispute was denied I guess because I gave my information out. 
But it was regions bank calling me, and they already had my information XXXX didnt know they could do that. {$790.00} is an entire mortgage payment for us I do not have that kind of money laying around. 
Regions will not refund the money but shouldnt they have responsibility with someone using their phone number? This XXXX app has no responsibility? I had to freeze all my credit, borrow money for our mortgage payment, I contacted XXXX that night and they wont do anything but cancel the email address from their system. I called the bank almost immediately after the transaction happened and they made me wait over 12 hours to file a dispute because the transaction was pending. They couldnt stop the payment? We are in the middle on a pandemic and they couldnt do anything to help?
Consumer complaint received 2021-01-14
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. (NJ)

On XX/XX/2020 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 understand the times we are in right now but at this point I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this point it has been over 60 days so they should be deleted promptly.
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Security Credit Services, LLC (GA)

On XX/XX/XXXX, I made an ACH payment to Rent Debt Automated Collection, an account that was under my maiden name at the time. Since then, I have received a collection letter from XXXX XXXX XXXX, dated XX/XX/XXXX for credit card debt in which I owe {$5400.00}. I called and spoke with Mr XXXX XXXX on XX/XX/XXXX to initiate a payment plan. It was agreed and electronically signed to begin making {$270.00} monthly installments on XX/XX/XXXX. However, the payment was rejected by XXXX XXXX as a " non transaction account, '' ineligible to receive this type of payment. I continued to call the collection agency for about a month with no answer, until XX/XX/XXXX. Again, I spoke with Mr XXXX to initiate the payment plan process. Installments are suppopsed to resume on XX/XX/XXXX. My complaint is regarding the timing of receiving debt collection letters. XXXX was the payee, however XXXX XXXX XXXX must have had ownership of my account since XXXX, XXXX when I received their letter. Regardless, not realizing my account was being sold to another collection agency is where my frustration lies. In addition, I have had two more collection account letters for credit card debt under my maiden name from Security Security Services dated XX/XX/XXXX. This collection agency along with the original creditor, XXXX XXXX, is listed as ( 4 ) delinquent ( deragatory ) accounts on my credit file with amounts of {$11000.00} ( 2x ) and {$6200.00} ( 2x ). I began working with a local credit repair company, XXXX XXXX XXXX, in XX/XX/XXXX with no success of the removing deragotory accounts from credit file. Currently, I am working with XXXX XXXX ( NY ), who is assisting me with inquiry removals and credit repair. After months of not being able to reach Security Credit Services, I finally spoke with a live person on XX/XX/XXXX. Apparantly, my account was transferred to the Law Offices of XXXX XXXX XXXX in XXXX, FL. I spoke with XXXX the same day to initate a payment agreement and have yet to receive a response.
Consumer complaint received 2021-01-15
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 wrote to the bureau XX/XX/2020 about some inaccurate information I found on my report. The bureaus have yet to complete an investigation on these inaccuracies that are detrimental to my credit report and are hindering me from receiving funding. I understand my rights under FCRA that after 30 days of requesting this information be investigated that if they can not verify the inaccuracies then it must be removed from my report. It has now been over 60 days since my initial request. I attached the letter as well as my license and proof of residence via bank statement
Consumer complaint received 2021-01-15
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: ENOVA INTERNATIONAL, INC. (AL)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I don't really accept that I had this record with these authorities/leasers. I attempted a couple of times to get in contact with them and solicitation proprietorship verification, however, they neglected to give me the significant desk work to demonstrate that I really own this record.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A fraudulent account was opening with XXXX using my social security number, name and birthday resulting in a made in my name as well. The account is with Bank of America, I have informed them of the fraud as well as offer proof of the identity theft at hand. Currently the funds inside of the account are showing as an earned income when my name was looked up for social securitys data base. I would like access to the account that I am responsible for. I would like to know where the XXXX dollars deposited into the account under my name went. I worry that the link to this bank account can affect me later in life and would like to know where the money that is said to be from me and tied to my social went. I want the address used to open the account to file charges with the XXXX XXXX police department. Bank of America will not give me access to the account which is hindering my abilities to seek justice against the criminal who stole my identity. After numerous agents at Bank of America confirmed my identity with the XXXX department I was told they will bypass the authorizations and get me in the account, I was hung up on. Again I called back and I spent hours on the phone explained my situation again and again and was denied the information pertaining to the account Im legally responsible for. I was told they have recordings of the calls, I was hung up on and taunted by the representative and supervisor XXXX of whom I believe was names XXXX. Here in California we have rights for victims like me and XXXX of those is to provide documentation pertaining to the fraudulent activities that were committed in my name. I would like my calls listened to by someone higher up in corporate. I would like the ones who mocked me to be held accountable for the customer service they provide.
Consumer complaint received 2021-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Bay Equity LLC (AZ)

I have made multiple attempts to resolve my statement issue with Bay Equity directly, and have also requested to speak with a supervisor regarding my concern and have not received any call back I continue to get excuse after excuse.I closed my loan back in XXXX and have not received any statements regarding my mortgage. I have received numerous life insurance offers from Bay Equity in the mail, but not my statements. When I called on XX/XX/XXXX to make a payment and question why I have not received any statements the explanation I was given was that Bay Equity had the address for the apartment that was on the loan application, which I then explained was incorrect the mailing address is the property address of the home I purchased, according to the agent this was then corrected, however I continue to not receive statements in the mail. I continue to question this on the following dates XXXX and the latest call was on XX/XX/XXXX. I am very concerned because I know my escrow will be ran soon and I will not receive any statement with the option to pay my shortage, resulting in a higher mortgage payment. Please help me resolve this issue that I have tried to resolve multiple time with Bay Equity.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible