davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00}
Consumer complaint received 2023-06-09
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX the following account names and numbers have violated my rights 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 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate and should be remove immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$45000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I received 2 letters from Chase Card Services saying they closed my credit card accounts. For both accounts Chase pointed out the reasons as : 1 ) TOO MANY ACCOUNTS OPENED RECENTLY 2 ) NOT ENOUGH CREDIT INFORMATION ON FILE However, 1 ) The 2 accounts with Chase is exactly the most recent accounts I opened. I have not opened any other accounts after Chase approved these 2 accounts. 
2 ) My credit report has no change compared to at the time Chase approved these 2 accounts, except new on-time payments and XXXX XXXX reporting I was added as an authorized user. 

I called the number listed on the letter and asked for a review. A representative called me back today. I believe the representative already has his/her mind set and was looking for an excuse instead of doing the review : 1 ) The representative pointed at an account I opened in prior to the 2 accounts with Chase and said that was the " recent account ''. 
2 ) The representative said they keep monitoring my credit information and there were changes in my credit report, despite the reason given to me was " no enough credit information ''. 
I feel the representative is also unprofessional and unfamiliar with their policy - I asked about redeeming my rewards points and the representative said that I can not redeem them anymore, despite the letter said I have 30 days to redeem rewards points.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is literally reporting me delinquent to the credit reporting agencies on a cancelled credit card with no balance I last used Wells Fargo Credit Card in XXXX, Credit Card, XXXX. In XX/XX/XXXX, two fraudulent charges totaling less than {$5.00} appeared on the card from an unknown internet vendor. I did not pay the charges and challenged them and won, but Wells Fargo reported me as a late payor. My credit score has always been above 800 until then. 

I then challenged delinquency comment on my credit reports through the credit reporting agencies and won both times, but Wells Fargo continues to report me as delinquent payor, having done so again in XX/XX/XXXX and XX/XX/XXXX per XXXX XXXX and XXXX. I even cancelled the card in XX/XX/XXXX as my credit reports show, with a zero balance, so Wells Fargo is literally reporting me delinquent on a cancelled card with no balance. It's crazy. 

I called Wells Fargo, who cancelled the card, yet they continue to report me. I called again on XX/XX/XXXX and spoke with XXXX, who confirmed that my card was closed with a zero balance, but who transferred me to " XXXX '' in Credit Card Department. XXXX then transferred me to " XXXX '' in the Credit Score Department. XXXX then transferred me to XXXX in the Credit Card Consumer Department, who said I must prepare a letter to Credit Report Disputes Resolution outlining the problem and attaching my credit reports. 

I'm done with this. THIS is my letter to them at this point. I've tried.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

In XX/XX/2024, I received form 1099-C from XXXX indicating that my credit card debt has been forgiven or cancelled. 

However, all 3 credit bureaus are showing owed balance and looks like XXXX did not report it
Consumer complaint received 2023-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (GA)

I have submitted police reports and reached out various times to resolve this issue of identity theft only to have my rights violated repeatedly. This company is blatantly attempting to collect a debt of verifiable identity theft. I have called them, emailed them, written by certified mail, faxed and uploaded all documents asked for only to be stalled out.
Consumer complaint received 2023-02-05
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 believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXA XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

In XX/XX/2024, I received form 1099-C from XXXX indicating that my credit card debt was forgiven or cancelled. 

However, XXXX is still reporting inaccurate balance to all 3 major credit bureaus
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account was charged off in XX/XX/XXXX with a balance of {$35.00}, XXXX. The same account is charged off again XX/XX/XXXX and XXXX, XXXX with a new balance of {$36.00}, XXXX by Transunion and XXXX respectively. I had noticed a change in my account balance by Transunion and XXXX. This prompted me to send letters to the 3 credit bureaus because my account information/ balance should be uniform across the credit bureaus if it is coming from a single source ( XXXX XXXX ). Subsequently, XXXX simply updated my balance from {$35000.00} to {$36.00}, XXXX with a new charge off date of XXXX, XXXX. This doesn't seem right because the same account should not be charged off again. Also, it doesn't make sense that 3 credit bureaus are reporting different information from a account that is coming from a single source. 

XXXXXXXX XXXX is aware of this as I also requested for a full validation of my account, including the original signed contract with my signature.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

As of XX/XX/2022, and continuing, Equifax, XXXX, and XXXX have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, Equifax, XXXX, and XXXX do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.
Consumer complaint received 2020-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Reliant Capital Solutions, LLC (NJ)

in XXXX I went to enroll into RN school and i was told to apply for the load and if i receive the loan i would be able to sit for my boards and my record wouldnt be a problem. when i graduated i was not able to sit for my boards because of my record. I applied for a load discharge and was denied because i didnt prove i went to the school when that was not one of the legal requirements. now in XXXX im getting over {$400.00} 2x a week garnished from my pay.
Consumer complaint received 2020-03-07
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: Experian Information Solutions Inc. (OH)

My husband and I got a mortgage from XXXX XXXX XXXX XXXX in XXXX Ohio. We applied for a 30 year fixed rate mortgage in the amount of XXXX back in XX/XX/2016 to consolidate some mounting debt. Our home was already paid for and had clean title. So all we wanted to do was get equity out of the home to do that. We were told that they don't offer fixed rate mortgages. We didn't know about fha loans at the time. So we were given a 30 year adjustable rate mortgage. Also we applied recently for a refinance through another lender to get a fixed rate mortgage, just to find out that XXXX XXXX XXXX XXXX isn't reporting the mortgage to all 3 credit bureaus. My husband can't get a credit card because he has no credit on Experian and we have been paying on our mortgage for 3 years now.
Consumer complaint received 2020-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I fell behind on my mortgage payments about 52 days. I called my personal relationship manager at  ocwen loan servicing because I was concerned. She informed me that ocwen would accept payments as long that they were made before 89 days. I still had 37 days to work with. A few days later I called my relationship manager to ask her a question and at that time she said you only have 2 days to make a payment. just 2 days ago I still had 37 days before ocwen would not accept a payment. I could not believe what I was hearing and I could not make the full payment then. I could make the payment in 5 days not 2days. I sent a complaint letter to the research department for ocwen Some time later they wrote back saying your relationship manager did say she was sorry. They did not even address the timeline mistake for payments. They ignored all that was talked about between me and my manager about the timeline for payment, nothing. I was so upset. Sometime passed and I Applied for a repayment  plan. Ocwen approved it so I had to e-sign and transfer a down payment to them within a certain timeline. I completed what they asked for before deadline. Then on the day of the deadline I called ocwen to check in with them and they told me that repayment plan was canceled because of nonpayment. Again I could not believe what I was hearing! I sent them proof of payment and some time passed and they realized they lost the money. Meanwhile the mortgage payments are accumulating. During this time my mortgage was moving from ocwen to phh mortgage. Today Friday XX/XX/XXXX, I was denied a mortgage payment modification. Ocwen and or phh mortgage owe me a fair mortgage rate for what I have been going through with them!!
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Wellsfargo closed my acct and my daughters due to fraud on acct. I never commutes and fraud on my acct. my card I forgot in the atm. When I realized my mistake I returned back to the bank and was given my card by an associate in wellsfargo. I was a bad practice of mines but my pin was on the back of the card, because my daughter. I was sent an email as well that I noticed hours after forgetting my card sent by an employee of wellsfargo. All four of my accts were closed stating fraud. They deducted {$800.00} from my acct and mailed a check with the remainder balance. I was truly upset as when I found my mistake I immediately visited the bank. My acct # XXXX my checking. I cant remember my other accts. My acct was closed XX/XX/XXXX or XX/XX/XXXX. {$400.00} was removed from my checking and {$400.00} from one of my savings. Ive rarely had an issues with my acct. Even when I was charged {$450.00} of overdraft fees for purchases made in XXXX on vacation. All purchases made were under {$12.00}. I never have I opted into overdraft because I rather get denied than pay those fees. Yet, I was still charged instead of being denied. After being in good standing many years with bank my acct was closed and funds deducted from accts to cover {$800.00} associate led with fraud. 
Wellsfargo previously waited until XX/XX/XXXX to finally give a resolution that enough info was given, and I need to provide info and send by mail to them. So my issue could be investigated immediately. This is really upsetting, because they had ample time to request that information with in the 60 days but they didnt! Which allows me to believe my issue was ignored and will continue to be ignored! Since there fraudulent employees didnt follow proper procedures, and closed my acct. I dont have any of my banking statements for this incident as my access to online banking was deactivated.
Consumer complaint received 2023-05-25
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. (NJ)

TRANSUNION XXXX Is standing by the reverification of XXXX XXXX XXXX  derogatory and XXXX XXXX XXXX, SC Inquiries removed. Thanks. 

Clearly 15 USC 1681 sec XXXX continues in regards to privacy and/or inaccuracy. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX last submitted XX/XX/XXXX made request to remove inquiries. Also to address XXXX XXXX XXXX that continues to remain on report c/o XXXX XXXX. 

Out of state support of fraudulence is 18 USC 1030 : app related fees and fines since XXXX. 
Most of the inquiries are NOT even active accounts, just phishing and 15 USC 1681 violations
Consumer complaint received 2023-01-19
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)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. Also, This is not my home address. I never lived here nor received emails here. 
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 2020-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation (LA)

Telerecovery is reporting a medical collection on my XXXX  report and it was paid in full via cashiers check as requested. When I initially spoke to them, they offered to delete the entry from my credit report upon payment in full. Once I made the payment they proceeded to tell me that they can not delete the collection account because I have another account in their company from 2004. I have never received any type of written communication about this debt. Even though Telerecovery agreed to delete the collection account, they have decided to not honor the agreement due to an old account, which clearly the statute of limitations has been exhausted.
Consumer complaint received 2020-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

I recently noticed that National Credit Adjusters has placed a collection on my credit reports. This is a debt that I DO NOT OWE and is not mine. This alleged debt was recently removed when it was owned by XXXX   XXXX. I am sick and tired of this debt appearing on my credit reports and tarnishing my credit worthiness. Neither of these companies have provided proof that I owe this debt because IT IS NOT MINE!!!