davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Sir/Madam, I am writing to formally dispute and request the removal of certain previous addresses from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are addresses listed that are no longer associated with me, and I request that they be removed promptly. 

The inaccurate addresses that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are outdated and do not reflect my current residency. According to the FCRA, only accurate and verifiable information should be present on my credit report. As such, I am requesting the removal of these addresses to ensure the accuracy and integrity of my credit file. 

The only address that should remain on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof of residency documents for my current address to support this request. I kindly ask that you investigate this matter and remove the inaccurate addresses from my credit report as soon as possible. 

Under the FCRA, I am entitled to a fair and accurate credit report, and I trust that you will take the necessary steps to rectify this discrepancy. Please provide written confirmation once the incorrect addresses have been removed from my credit report. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Herbert P. Sears Co., Inc. (CA)

I have asked this company HP sears several times do not call my phone they continue to call on different numbers every single day I have already filed three complaints against this company they continue to call and harass me every single day from different numbers
Consumer complaint received 2021-01-09
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have filled a dispute in regards to the incorrect items on my XXXX  credit report. it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-08-27
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. (PA)

Hello I've been a victim of Identity theft for years and I am devastated. I have lupus so it force me to stop working early and try to do everything to keep living. As far keeping physically heath in order, eating better and try to get plenty of rest. So I completely took my focus on my credit report. Now I'm getting a little better but still suffering from XXXX  I am focusing on trying to by a Home for me and my grand kids. I look at my credit was very upset I even cried to see so many fraudulent activities on my report. I contacted the all the creditors about the issue. Happily told me all accounts on my report are closed but I had to make FTC report and contact the bureaus so I am here. Praying that someone can help me remove all these false items on my report
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MIDWEST BANCORP, INC. (WI)

On XX/XX/2021 we contacted another financial institution about a HELOC. In gathering the documents needed to obtain this, we discovered our XXXX XXXX XXXX policy was cancelled XX/XX/2021. I contacted First Midwest Bank, our loan holder about this. They stated it was paid but since they " are a new servicer '' they did not have a closing disclosure. They required the loan XX/XX/2021 and were told it was already paid. The insurance and taxes are part of our escrow account. We had to pay out of pocket {$1800.00} to insure the house but our escrow continues to gather {$1600.00} to pay out the insurance policy. We have been literally robbed by this bank for the second time.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eaton Group Attorneys LLC (TX)

I contacted Eaton XXXX  Group at XXXX on XX/XX/year> to get the balance of the garnishment. Transferred to XXXX XXXX ( XXXX XXXX XXXX ) that provided me with the outstanding balance of {$1400.00}. I inquired on the payment dates as I was nearing the end of the garnsihments from the total that was filed with the courts. I was provided with the number to the Sherrif 's office XXXX XXXX XXXX that confirmed the amount that was received and sent to them should reflect {$3800.00} which is the amount that my employer reflects also. I reached out to my employer and received a print out that I am attaching and have tried to call XXXX back leaving multiple messages to try to resolve this. As my checks will continue to get garnished until they reflect the account is paid in full and send a order to stop. It's very concerning that the money was sent to the Law Firm and the money is not accurately reflecting. Another thing if any additional fees were added I am due the right to know what I am obligated to be paying for.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Complaint Number : XXXX XXXX Wells Fargo Case Number : XXXX This complaint is in regards to a closed account with Wells Fargo Bank. Around XXXX or XXXX of XXXX, I noticed approximately {$3400.00} was missing out of my Wells Fargo Bank Account. As soon as I noticed the funds were missing out of my account I went into the XXXX XXXX, South Carolina Wells Fargo Branch to speak with the Branch Manager. On Thursday, XX/XX/XXXX I filed a complaint with Wells Fargo Bank Personal Banker XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. Wells Fargo Bank Personal Banker XXXX XXXX XXXX created a escalated complaint. Complaint Number XXXX XXXX. A Wells Fargo Case Specialist by the name of XXXX XXXX sent me a secure message stating Were continuing to research and address your concern about missing money from an account. Our initial goal was to provide a response by XX/XX/XXXX, however further research is required in order to provide a comprehensive resolution of this matter.We now expect to complete our work by XX/XX/XXXX and appreciate your patience during this time. As of today Wednesday, XX/XX/XXXX I havent received an email after receiving the attached secure message included with this complaint.I have included a screenshot image of the Wells Fargo Secure Message with this complaint.Please let me know if you require additional information.
Consumer complaint received 2021-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (CA)

I have been involved in a Consumer Credit Transaction for 2 years now with Duvera Billing Service. Duvera does require you to give my social security number to acquire services, my social security number/card is Defined as my credit Card Pursuant to ( 15 USC 1602 ( L ) - Means any card, Plate, Coupon Book or other Credit device existing for the purpose of obtaining money, Property, Labor, or services on credit. ) Whenever a Consumer is involved in a Consumer credit Transaction a Finance charge is involved and is the sum of all charges Pursuant to 15 USC 1605. Not only is the Finance Charge the sum of all Charges but does not include charges of a type payable in comparable cash transactions. Duvera billing Service has taken multiple cash payments. 

On XX/XX/2019 Duvera Billing Service took a Down payment on a Consumer Credit Transaction for the Financing of a auto installment in Exhibit B which is a Violation of 15 USC 1662.

As a Federally Protected Consumer Duvera Billing Service has Violated my Rights Pursuant to 15 USC 1611 and is Criminally Liable for willful and knowing for not disclosing any finance charge involved with the account and taking cash payments in a Consumer Credit Transaction. 
Duvera Billing Service has Failed to follow the Provisions on statements that are involved under Open End Consumer Credit plan ( 15 USC 1637 ) and is Civilly Liable Pursuant to 15 USC 1640 Pursuant to 15 USC 1692K Duvera Billing Service has Violated Multiple debt Collection Practices Violating my rights to Privacy and Has Closed my account for Failure of Payment in cash Transaction. When asking for cash Transaction in a consumer Credit Transaction is a Criminal Charge.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (CT)

TD closed my account in XX/XX/2021. In XXXX I called in to have me remove from any for of electronic payments, bill pay and XXXX. It is normally common sense to conduct since you are no longer a customer. 

As, XX/XX/XXXX the bank refused to honor my results and been collecting funds on behalf of a closed account. 
I attempted to resolve this issue. The bank workers claimed the matter would be resolved in 2 bussiness however it isnt true. 

My friend sent me emergency funds and TD refused to release the funds sent to me, back to the recipient.
Consumer complaint received 2020-12-30
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. (AR)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XX/XX/2020 to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile immediately
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX, I received a notice from the US Department of Education noting that my : " Pursuant to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the Florida XXXX XXXX XXXX XXXX ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ).

Subsequently, Navient sent me a letter noting that they had received my letter -- despite the fact Navient continues to report inaccurate information on my credit file, and most recently, has resumed its attempt to collect this cancelled debt. 

These repeated attempts and negative reporting, continues to cause me severe distress. Any communication with them is met with resistance and an unwillingness to adhere to the laws. 

This conduct is predatory and deceptive. Please help. Even with clear proof that the debt is forgiven/cancelled- they are reporting and inaccurate balance and now claiming I am in arrears on cancelled account.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

Im assuming that you either didnt receive my letter on XXXX2020 or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (DC)

I have not used my Alliant cashback signature Visa in months. I received no notice of the occurrence of an annually fee. Upon learning of the fee I sought to cancel the card and obtain a refund and was denied.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

National Credit Systems and XXXX XXXX XXXX It is against the law in Arizona to not do a final walk through with a tenant. 

Remove this false non legitimate information from my credit report. 

Both companies are committing a crime by taking action and it needs to be resolved. I have not been worked with by NCS they have NCS REP XXXX ONLY acknowledged the fact that what I am saying is true. XXXX XXXX XXXX failed to follow the law and preform the final walk through. XXXX at XXXX XXXX says NCS has the authorization to remove this not XXXX XXXX. However, NCS states it is ONLY up to XXXX XXXX XXXX to approve the removal of the false and defamatory information being reported. This is non legitimate debt not supported by Arizona state law because no walk through was done by the XXXX XXXX XXXX representative XXXX as scheduled for XXXX on XX/XX/XXXX he no showed. I waited until after XXXX. 

Please resolve this!
Consumer complaint received 2020-12-31
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. (MA)

In XXXX of XXXX, the XXXX student loans associated with my wifes XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they ( XXXX ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX ) is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of 30 plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.
Consumer complaint received 2020-12-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (NC)

I contacted regional acceptance on XXXX/XXXX/2020 and I told them I will hire an attorney to take over my case ... and now they want communicate with me ... they said since Im going to hire a attorney the cant no longer talk to me. The rep ask me so you hiring an attorney and I said yes! I am XXXX because Im accused of a debt that I didnt do how could they give a person a auto loan that was making 15 hours a week Logged on my work history I have never made over 40 hrs with XXXX  in XXXX XXXX nc this is fraud!!!!!
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax it's reporting an address in Texas that is not mine I've never lived there. I've been in Florida since the mid 90s. I have tried to dispute this with them but they find no issue and do not remove it from my credit report. I want to file a complaint against them and have this resolved for them reporting inaccurate and false information. This is tide 2 a company as well in Texas I believe that this might have something to do with identity theft This is why I'm concerned please help me in this matter with Equifax.
Consumer complaint received 2021-08-27
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. (FL)

FILED A DISPUTE LAST { 609 letter date } WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER { count the days from the 609 letter up to date } DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been notifying Transunion of an issue with my credit report now over the last few months. However, there are still several inaccurate accounts on my credit report. This has gone too far and I havent seen any justice with the investigations.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (TX)

I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life