davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 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 feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2021-12-18
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 (NY)

I reviewed a copy of my credit report and BANK OF AMERICA ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact BANK OF AMERICA and investigate such occurrence.
Consumer complaint received 2021-12-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I reviewed a copy of my credit report and CAPITAL ONE ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact CAPITAL ONE and investigate such occurrence.
Consumer complaint received 2021-12-18
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: Experian Information Solutions Inc. (MO)

Once again, I'm notified that I'm entitled to my credit file, and once again ALL THREE bureaus found an arbitrary means of denying my request : XXXX : Sorry, you have an open dispute, so we can't provide your report XXXX : Sorry, we can't verify your identity, so we can't provide your report. 
Experian : Sorry, we can't give you your report, but we don't know why. 

This is the third time that I'm making this complaint. I'm tired of it.
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (TX)

I never received the initial demand letter in regards to collecting debt. Harris & Harris has not verified they are handling the account. I have not received any letter correspondence about this account. I called & tried to confirm, and XXXX provided me inaccurate information about process.
Consumer complaint received 2020-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Siggi LLC (VA)

This company is reporting 14 thirty day late payments on my XXXX  credit report for a loan that was taken out on XX/XX/XXXX. On the day the loan was taken out, one of the representatives informed me that I had to sit at one of the computers they have set up in their office and set up automatic allotments to get the loan repaid before I would be allowed to leave the premises with the loan check. As I was XXXX XXXX military at the time, I logged into my DFAS account right then and there and set up an automatic allotment for the amount of $ XXXX  monthly. This account was paid every month using this automatic payment. This account was closed in XX/XX/XXXX due to the balance being paid off in full and I even received a refund check as the allotments were still being paid for even after this account balance was at XXXX. I filed a dispute with all three credit reporting agencies as well as the XXXX  on XX/XX/XXXX. XXXX about the false reporting of several late payments on this account. On XX/XX/XXXX the company responded to my dispute saying that I missed one payment on XX/XX/XXXX yet they are reporting 14 late payments on XXXX  and placed a remark stating " no more than two payments missed '' on my credit report. After continuing to dispute this information, the incorrect payment information was deleted from XXXX  and XXXX, but the company failed to remove it from XXXX. Also, even though this account was closed with a {$0.00} balance on XX/XX/XXXX, they reported a 30 day late for XX/XX/XXXX as well as for XX/XX/XXXX. This company is in violation of the FCRA and reporting incorrect information on my XXXX  credit report.
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

In XX/XX/XXXX I purchased a home in XXXX XXXX, Florida the note was in my name and mother placed on the title to show ownership via her present XXXX. My lender was IndytMac to IndyMac XXXX, to XXXX to XXXX additional names. I was notify in XX/XX/XXXX that I was illegally placed in foreclosure. I attempted on XXXX occasions to modify my loan with XXXX acceptance stating document would be XXXX to me then a cancellation stating I did n't qualify for a modification program but completed a six month payment plan. I have payment history of making all my mortgage payments. communicated with my several lenders. All said and done hired a lawyer I filed bankruptcy, it was discharged via mother interest on the title and courts records shows shes not on the mortgage and to this day has XXXX Credit. This stop to auction sale briefly. Now just two weeks ago .another foreclosure went before the court but this time the lender request and era on their part and requested from the court to stop sale and the judge denied request and property was auction off. An appeal was filed to stop transfer of title. Please help I do n't know what else to do other than file a complaint.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

so i overdrfted my citizens bank of {$45.00} too my XXXX  ..few hours later i refunded the money to the bank... the bank account got closed for fradulent activity band i havent been able to open another bank ever since..whenever i try to open i get the message saying : due to the consumer report information provided your account cant be opened..so ireally dont know what to don..im just hoping you guys can resolve this
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-12-18
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: SYNCHRONY FINANCIAL (NY)

I reviewed a copy of my credit report and SYNCBXXXX ran an unauthorized credit inquiry on me on XX/XX/. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact SYNCBXXXX and XXXX such occurrence.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, has violated my rights. XXXX  XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, account 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 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 2021-12-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc. (TX)

I sent a letter exercising my Equity and disputing the student loans asking for the MPN asking for the school to send me the " Original Instrument of Indebtedness in it's original form ''. I've gotten no response back from XXXX XXXX XXXX XXXX ... even though I have a certified mail receipt saying that they did indeed receive my dispute letter on XXXX. This is now a violation of the Fair Credit Reporting Act and I intend to follow through with a law suit ( as I have a paper trial ) FCRA SECTION 611 Part ( A ) ( 1 ) failing to respond in 45 days. I also sue for the max for also noncompliance. If this item is not removed from my credit report. 

The company also claimed to not have me in their system from the last complaint submitted on XXXX ( Complaint ID # XXXX ) despite having my FULL name and address. This is my last attempt, if XXXX does not remove this from my credit profile I file a lawsuit and enforce my rights under the Fair Credit Reporting Act. 

Therefore, I will provide my ENTIRE social security number and date of birth. So there should not be any reason for XXXX to not verify my identity.
Consumer complaint received 2021-12-18
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: CLGF Holdco 1, LLC (NY)

I reviewed a copy of my credit report and XXXX INDIGO ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX INDIGO and investigate such occurrence.
Consumer complaint received 2021-12-18
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. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

An appeal to person using XXXX XXXX XXXX XXXX XXXX KY has never been a residence. I have never lived there been involved in any crimal activity there. I did however go to XXXX XXXX program for XXXX days in XXXX. XXXX XXXX. The report shows since XX/XX/XXXXmy identity has been engaged in crimal activity I took no part of. XXXX, theft under {$500.00}, and numerous reports of criminal accitivity that doesn't concern me under my ss #. Showing on my background check
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items listed below. It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX Bank XXXX removed as a result of dispute multiple times keeps reappearing. 

Contacted creditor requesting information they advised they submitted removal several times and no such account is showing on file
Consumer complaint received 2021-12-18
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)

Transunion has fail to do as I the consumer ask to do, which is remove the collection of XXXX XXXX  XXXX for inaccurate information. Instead transunion decided to change the date which is a federal crime and a violation of my due process as well protection under the fcra. I enclosed of the copies dating XX/XX/2019 were the last payment date is XXXX and transunion last date was XXXX. Now the dates were changed I requested that the item be removed from my credit report. Please investigate this matter of credit bureau wrongful doing. Asking for a federal investigation on transunion credit bureaus.
Consumer complaint received 2021-12-18
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate XXXX  to furnish my data with the following companies, please be aware, no consent, is identity theft : LATE PAYMENTS TO XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: MoneyLion Inc. (OR)

Someone created an account in my name and added a phone number to it ; XXXX, and when i requested it be deleted they insisted I provide information ( SSN ) which seemed like they desperately needed it. Fishy They won't investigate.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

On XX/XX/2022 a money transfer to XXXX XXXX was cancelled by MoneyGram with no explanation given. I received and email acknowledging the cancellation and a 10 day refund promise but after XXXX weeks no refund was ever sent. I contacted MoneyGram customer service and the employee claimed no money was taken from my account. When I told her there was a charge for {$100.00} the day of transfer she closed the live chat. I filed a complaint on their website following that conversation. Its been another XXXX weeks and no response from MoneyGram. This is theft and fraud, I want my money back.
Consumer complaint received 2018-03-01
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: HYUNDAI CAPITAL AMERICA (GA)

XXXX XXXX XXXX response to my initial complaint is insufficient and did not address the issue. I was not informed of an outstanding balance being a {$620.00} Wear & Tear fee at the time of leasing another XXXX vehicle. I was informed there was a Wear & Tear fee that was taken care of by the Hyundai XXXX dealership and that was it. Once informed via letter in XX/XX/2017 about a {$620.00} Wear and Tear fee, I immediately called the dealership to inquire why this fee was not paid and was assured by them it was handled. I then called XXXX to inform them that, again, the dealership paid because the dealership continuously told me it was paid. I did my due diligence in trying to remedy this issue multiple times between XXXX and the Hyundai XXXX dealership. XXXX  neglected to admit in their initial response that my account was paid in full by the DEALERSHIP and not by me. Again, no payment that came from me was ever late. Better yet, this late payment they claim was my responsibility came from their own dealership 's checkbook! The Hyundai dealerships payment to XXXX was late. The dealership has even admitted responsibility for this payment ( see letter from dealership attached ). The dealerships manager says, XXXX sent XXXX XXXX a bill and she advised them that the dealership was to pay that amountthe dealership failed to do this. The fact that I, the customer, have been the middle man between these two entities, dealing with their lack of communication with one another and being personally affected by their failure to remedy this situation several times is abhorrent. Had I been told by XXXX  or the dealership to pay a {$620.00} Wear & Tear fee, I WOULD HAVE and quite frankly, I wish I was given the opportunity to do so rather than be lied to multiple times by the dealership that the payment was handled and be in this present situation. Look at my payment history- I have never been late on a payment once in my life and would never not pay an outstanding balance!