davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I submitted a dispute for the XXXX  XXXX and XXXX XXXXXXXX on my consumer report. Equifax verified it as accurate with XXXX XXXX. I have proof that XXXX XXXX could not verify the data as accurate and deleted the misleading/inaccurate information from my consumer report. According to the Fcra 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax has blatanly disregarded the federal law by not removing this unverifiable information and according to 15 usc 1681n ( a ) ( 1 ) ( a ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I am owed for my damages in the amount of {$2000.00} for not removing the inaccurate XXXX XXXX and XXXX from my consumer report.
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FIRST NATIONAL BANK OF OMAHA (MN)

XX/XX/XXXX received a letter from First National Bank of Omaha stating they have unclaimed property in my mothers name in the amount of XXXX. I have until XXXX XXXX to respond. I called on XX/XX/XXXX and had to leave a voicemail for Mr. XXXX XXXX to call me back. I received NO RESPONSE so I called again on XX/XX/XXXX and left Mr. XXXX my name and phone number again. I also tried the cell phone number he gave me. The people at the cell phone number I received from Mr. XXXX have never heard of hime and had no idea who he was. Third phone call placed XX/XX/XXXX. The cell phone number that appears to be wrong was given to me by Mr. XXXX own message in what must be his own voice. That gives me pause and the reason for this complaint. Please help or steer me to the correct people who can. Thank you.
Consumer complaint received 2020-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AR)

I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX REPORTING AGENCY : EXPERIAN XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

For the past weeks I am unable to access my Equifax account, each time I try to sign in a message is asking me to call ( XXXX ) XXXX. Today and after 15 minutes of replying to questions by typing answers on my phone, I managed to " speak '' to a customer representative ( poor language skills ). Another 15 minutes of trying to reset or receive an email from them ( that never arrived ) so I asked to review the issue with their specialists and inform me when is ready. 
Another hour after I receive an email with a link to reset that password, action resulting in again a total failure giving me the same error as before - " Call the number ''! 

Please put some order into these businesses, they are the ones running our lives and the only thing they do is giving wrong information or NONE! 

thank you!
Consumer complaint received 2021-07-26
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. (MS)

XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-26
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)

fcra violations please see attachments : not mine XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Closed 26 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$8100.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$8100.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO - - - - XXXX 60 60 90 CO CO CO CO CO CO CO CO CO XXXX - - - - - 30 30 60 30 60 90
Consumer complaint received 2023-01-23
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. (CO)

I recently in XX/XX/2022 sent Equifax a letter to have them investigate an account that is on my credit report and is reporting inaccurately. I included a letter from the creditor that was sent to me stating they had requested removal of this account. 

I have not received any notification that Equifax even investigated this item nor have they removed it. 

I've included the copy of the letter I sent to Equifax and the letter that the creditor sent showing the account was requested to be removed.
Consumer complaint received 2016-06-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

For years, XXXX/XXXX/XXXX, we have instructed DITECK not to pay AAA FLOOD Insurance, which we are not required to maintain anymore, See # 1. Diteck finally sent us a confirmation letter dated XXXX/XXXX/XXXX, about our loan not longer requiring flood insurance, See # XXXX & XXXX. YET, THEY, AGAIN, PAID XXXX {$670.00} on XXXX/XXXX/XXXX, see # XXXX. We have also contacted XXXX for the last 3 years. Our last call on XXXX/XXXX/XXXX to XXXX Representative " XXXX XXXX '' informed us that their records showed we had called and requested a " Voluntary '' policy we did not need. XXXX is maliciously and illegally renewing our policy against our will and Diteck is being negligent when paying XXXX after been notified and documented of the problem. PLEASE HELP.
Consumer complaint received 2022-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

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 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 2021-07-26
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. (PA)

Transunion and XXXX  are reporting incorrect information on my credit report. My XXXX ACCOUNT ( charged off account ) was paid in full {$260.00} and it is not past due and they are still reporting it as past due and this is really affecting my credit report. I demand them to delete this information off of my report or update immediately. I have called them several times and put in many disputes. XXXX has updated their information correctly on my report so I have no issues with them. I am concerned about my XXXX  AND XXXX  reporting inaccurate information on my report. This is against the law and needs to be fixed today. This was paid back in XXXX.
Consumer complaint received 2021-07-26
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. (GA)

At this point this XXXX is XXXX me XXXX! This is my second time sending this XXXX request! This has caused me extreme distress and has prohibited me from purchasing my XXXX  home. I tried calling multiple times to confirm my XXXX  identity and no one XXXX  answers. I am not an unauthorized third party this is XXXX XXXX I have submitted this request 2 times These accounts need to be removed from my account IMMEDIATELY!!
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I made a purchase via XXXX for an XXXX on the XXXX of XX/XX/2021. The description says the phone is unlocked but unfortunately its locked and I cant use it. I reached out to the guy that sold it and he told me XXXX come replace it and didnt come and blocked all communications. I can not reach him again. I sent the money via XXXX  of {$230.00}. I reached out to my bank already and they contacted the receivers bank ( regions bank ) but no response yet. How can I get my money? Things are really difficult especially during the pandemic.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MO)

after i told them they cant harass me I have not got any bills so today XX/XX/2021 i called to find out why i was not getting my bills i was told that i informed them that they could not contact me so they told me i have to send a letter stating that they can send a bill i told him that no contact dose not mean no bill this is XXXX/synchrony car care all im asking is for them to send my bills
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Hello, I was lied to on XX/XX/2021 by a Target XXXX XXXX XXXX employee during a phone call interaction regarding my account. I asked Target XXXX XXXX XXXX Fraud and Guest Relations to pull and listen to that phone call, so they could see how the employee deceptively had me take actions on my account that did not properly impact my account as she indicated it would. I have my account in a status I did not want, which is due to the interaction with that employee back on XX/XX/2021. Target XXXX XXXX XXXX and Guest relations continue to refuse to help and I've done all I can so far. I also now have a 30 days past due mark on my Credit Bureau reports for XX/XX/2021, which I'm really frustrated about, since I've always maintained 100 % payment history. This is now back to current as of XX/XX/2021. 

This was all caused by a deceptive employee and the interaction whom Target XXXX XXXX XXXX and Guest Relations continue to refuse to investigate further. I've contacted them every few days since this occurred back on XX/XX/2021 to try to have this resolved but, they just continue to refuse to. Please help correct this, since they refuse to assist and this has now impacted my credit payment history from 100 % to 99 %. I take these things very seriously and am very unhappy by the deception and what I would even consider fraud by that Target XXXX XXXX XXXX Employee on XX/XX/2021. Thank you.
Consumer complaint received 2021-07-26
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnionhas not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (OH)

I made my mortgage payment to Mr. Cooper on XX/XX/2021 for my XX/XX/XXXX payment. They did not apply that money to may account, and now they say I am a month behind. I can't refinance my home and my credit score dropped 61 points because of it. The payment schedule from their web site shows the money is in Unapplied Funds, but I can't get anyone there to see that, and to correct the issue.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (OH)

I had XXXX XXXX XXXX credit card from FNBO ( first national bank of Omaha ) bank. The card has a benefit of {$100.00} credit for XXXX XXXX application every four years when applying XXXX XXXX program using this card. 
I applied XXXX XXXX on XX/XX/XXXX. The charge posted on XXXX XXXX. FNBO refused to credit {$100.00} after several months ' communication ( called several times, first stated will have to push the credit thru manually, recent call just simple stated the charge does not qualify. 

The charge from XXXX XXXX application : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$100.00}
Consumer complaint received 2021-07-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I applied for business credit under the impression it was a soft/identity verification pull on my personal account only. They ran it as a hard inquiry which I would had never agreed to.
Consumer complaint received 2021-07-26
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. (VA)

On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.
Consumer complaint received 2022-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

Im reaching out concerning Experian Credit Company disputing a concerning incorrect collections report on my account. Despite me clarifying this fraudulent Experian has repetitive, deny my reported dispute of this falsified collection claim. At first I wasn't sure where it came from until they listed the date of the original accounting information. I've tried to rectify this issue on multiple occasions. At that time I was able to provide XXXXXXXX XXXX XXXX with verified and legal documentation of concerning the police reports that was on my behalf, also enclosed were a photo of my injury, as well as details documents addressing that XXXX XXXX XXXX XXXX XXXX XXXX all in one night. All financial banking information, banking cards, with my grandmother unreplaceable designer purse. This included everything that I worked for within those two weeks in which was {$760.00} dollars, along with other valuable items that was stored in my purse that evening. 
I'm not sure of the reason why after all this years that a collection company known as XXXX XXXX XXXX had issued me a collection debt. Concerning a well documented local televised criminal investigation in XXXX. Because, I will still able to provide this corporations XXXX XXXX XXXX and XXXX XXXX with the original police report from my attack on this case has been resolved, closed this includes the credit company XXXX and XXXX as well. I was able to clear up this issue with both companies in XXXXXXXX XXXX XXXXXXXX. Debt Buyers on behalf of XXXX XXXX XXXX XXXXXXXX card company. 
Accurate account number XXXX Account type Debt Buyers on behalf of XXXX XXXX XXXX XXXXXXXX card company
Consumer complaint received 2021-12-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MN)

Thank you for your response. But I want to inform you as you already know that XXXX XXXX is a 3rd party vendor. That anyone including myself have access to. per the FCRA in order for a credit reporting agencies as yourself to conduct a reasonable and Maximum accuracy of an investigation you must verify the information with the original furnisher of the debt! When a bankruptcy is filed you must file that with the United state bankruptcy court if you are unable to verify it with the original furnisher the information that you reporting is unverifiable. As far as you reviewing all relevant information provided by the consumer is hideous! How can you verify anything that anyone sends to you with out verifying it? Again I have asked you for specific information regarding the XXXX  XXXX from the US bankruptcy court XXXX but you keep refusing. To send me any information requested you are in violation of the FCRA for failure to conduct a proper investigation! This will include you to make phone calls to the United States District Court speak with people send a letter etc Therefore this public record is not verified. Please remove the public record from the report and send me a updated credit report to reflect the deletion! 

Thank you XXXX XXXX