davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, XXXX  and Equifax. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  or XXXX XXXX XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Consumer complaint received 2020-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

First Franklin has consistently violated the FDCPA and the FCRA. First Franklin is attempting to collect a debt not owed. The tactics being used have caused marital instability, ruined my reputation, and prevented me from securing funding to support my family. A sherrif was sent to my home which caused XXXX  and XXXX  for myself and my minor children. I deny any resposibility to the alleged debt and it has been disputed with First Franklin. First Franklin is inserting inaccurate and erroneous information and failure to indicate the account is in dispute on my credit reports is a violation of my civil rights and the law oulined in The Fair Credit Reporting Act 15 USC 1681.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (GA)

I have unknown inquires on my credit report that I don't recognize. I'm a potential candidate for fraud and ID thief please remove the following inquires listed below. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX  XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX Dispute this
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TN)

I recently disputed a collections account through XXXX for a debt of XXXX from a creditor name of XXXX XXXX and the collector agency being Fair Collections and Outsourcing. It was added to my credit report on XX/XX/XXXX. This is inaccurate information and I will like this removed from my report immediately cause of the damage it has caused to my report. I have been living at XXXX XXXX XXXX XXXX, Ga XXXX from XX/XX/XXXX til XX/XX/XXXX and moved to XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX. I moved to XXXX and stayed at XXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX. I have never been contacted in any way of this debt and never have seen proof in writing with my signature that I owe this debt to XXXX XXXX and the collection agency Fair Collections and Outsourcing. Can this pleases be removed from my credit report cause its very detrimental to my report.
Consumer complaint received 2020-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My beloved wife XXXX and I co-signers on the car loan have sent dozens and dozens of emails and made dozens of telephone calls and written letters to the President and other high senior officers of the Bank of America to lower our monthly car loan payments form {$770.00} to {$500.00} because of the novel coronavirus pandemic that makes it impossible for us as senior citizens with very serious medical contains to work! In fact, XXXX had to quit her job of 16 years. Yet not one single solitary word back from the President of the Bank of America or the other high senior executives nor any other single solitary word back written or oral to permit us to pay {$500.00} per month! 

This is now our NINETH ( 9TH ) complaint to the Consumer Financial Protection Bureau. 

The Bank of America still after all these months of our complaints to the CFPB says it is not yet ready to answer us! 

Are we now to file 500 or 10,000 more complaints?

Send 200 more emails and 500 more letters and make 1,000 more telephone calls before this one of the very largest banks in the entire world answer us? 

Apparently so! 

The Bank of America is being obscene here! 

Totally and completely brutally cruel to us! 

Call it age discrimination which it is! 

Call it total disregard of the novel coronavirus pandemic which it is! 

Call it criminal which it is!
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MI)

Innovis continues to report incorrect information on my consumer report. I have submitted my identifying information on several occasions to get this information updated and Innovis has yet to follow the guidelines provided by federal law governing the consumer agencies that furnish consumer reports. My name is XXXX XXXX there should be no other name or names listed if there are they are incorrect. My address is XXXX XXXX, XXXXXXXX XXXX XXXXXXXX there should be no other addresses listed in my report.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Goodevening ; I have found on my credit report inquiries that do not belong to me and I have asked XXXX XXXX AND EQUIFAX TO REMOVE FRAUDALENT inquiries XXXX XXXX  XXXX  ( bank ) XX/XX/XXXX, XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX, XXXX /XXXX  ( Construction ) XX/XX/XXXX, XXXX  XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX & # XXXX ; XXXX  ( Hotel and travel ) XX/XX/XXXX, XXXX The berau companies have recently have a settlement for not complaying with federal law and removing fraudalent things out of peoples report and now they doing it again by not letting me get a mortgage with this inquiries that are fraudalent. I ask please to remove all those inquiries that are not mine
Consumer complaint received 2021-08-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, Transunion and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX credit card, discover credit card, XXXX XXXX credit card or XXXX XXXX  card or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

A new bank purchased my mortgage but didn't inform me or send me a payment coupon. My payments to the previous mortgage company were deducted automatically from my checking account and I didn't notice that the payments had stopped. I first became aware that new bank had purchased my home loan when they sent delinquency notice dated XX/XX/2020 stating that I owed {$12000.00} and that the account was XXXX days delinquent and could result in foreclosure. The amount we owe on this mortgage is less than half of the value of our home. I immediately contacted the new bank to find out what happened. None of the employees would confirm that their company had purchased the loan and when I described my situation, they just stated " Well, didn't you notice? '' After a number of calls, they agreed to remove the late fees and interest and I made a payment of {$10.00}. XXXX over the phone on XX/XX/2020 to bring the account up to date. Recently I became aware that they have reported delinquent payments on our credit reports. I called to ask them to remove that information since there was no way I could have sent them a payment before they made contact with me. They stated that we would need to file a written request and wait for them to investigate. We have always had excellent credit scores and wanted to refinance this mortgage to get a better rate and a more responsible mortgage company. Now we have a poor credit rating which would interfere with refinancing. I would like them to expedite the correction of my credit rating. I'm also concerned that this could be happening to other customers.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, 2022, the fraud charge was {$26000.00} from my credit card. I've called several times to report and included a writing letter which I reported. I also filed a police report that my identity theft was stolen during that time.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (IA)

To whom it may concern, We have had a credit card with Discover for several years. During this time it was supposed to be set up for automatic payments for the minimum balance due and we would then pay the balance once every month or two.

Recently we received a derogatory mark on our credit report from Discover. After reaching out to them they indicated our payment was late and there was nothing they could do to help us. I informed them of our autopay situation and they said you are not set up on autopay we can't help you. I informed them we'd changed banks in XXXX and given them the updated banking information but they said they had no record of it so it was our problem. 
Discover never notified me of a failed payment and did not send any notification that my bill was past due. They simply applied their late fee and gave me a derogatory mark, which is my only missed payment in my entire life. 
I attempted to reach out to their executive relations team via email and received a paper letter several weeks later, with no direct contact or reach out. 
Discover needs to rescind this inaccurate late payment mark from it's records and my credit reporting - I am not responsible for the failure of their company or their website. 

Thank you for your time, XXXX & XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This letter is a formal complaint that you have reported inaccurate and incomplete credit information to the credit bureaus. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, you have failed to do co. Every step must be taken to assure the information reported is completely accurate and correct. I disputed the following information over 30 days ago and you have not yet responded : XXXX XXXX XXXX XXXX IN ( XXXX XXXX ) BALANCE {$15000.00} EQUIFAX CREDITOR : XXXX XXXX XXXX IN ( XXXX XXXX ) BALANCE {$13000.00} This inaccurate information must be deleted from my credit file immediately. Please contact the credit agencies you have reported it to and remove this misleading information from my credit profile. 

Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information I* hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation
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. (GA)

I have been disputing inaccurate information on my credit report with TransUnion for months. The TransUnion disputes has come back verified every time. XXXX XXXX I have pointed blatant inaccuracies for Date of Last Active, Date of Last Payment, Late payments after account is charged off. past due on a charge off account. XXXX XXXX I have pointed that XXXX does not own the account. The XXXX XXXX is owned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is not registered in the State of Georgia . I also pointed out blatant inaccuracies on the XXXX XXXX Date of Last Active, Date of Last Payment, Late Payments after account is charged off. XXXX XXXX has blatant inaccuracies, Late Payments saying I'm 90 days late and stating that I am {$1400.00} behind on my account. If TransUnion had done their investigation like they are required to according FCRA Section 611, TransUnion would have known my account is current and never late. TransUnion stated that the account was verified. How can that be according FRCA Section 611 the credit reporting agency suppose to do an investigation and that did not happen. That is a violation!!!
Consumer complaint received 2020-12-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I applied for a mortgage VA refinance on XXXX XX/XX/2020 with Pentagon Federal Credit Union. I've been a customer for 40 years and have done several refinances. With this last refi, I have completed all paperwork and have been waiting for over a month trying to get a status on when my settlement will be ... should have been XXXX at the latest. I have not had any response from my numerous phone messages nor emails I have sent to my Loan Officer, XXXX XXXX, and my loan processor, XXXX XXXX. I have had NO RESPONSE from anyone. I've tried to call several times and get disconnected after a long process just to get to the correct department.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX attempting to sue me without notifying me in the proper way didnt not even know they where attempting to take legal action until i received a call from a lawyer stating he had seen a suit had been filed against me and was inquiring if i needed legal assistance i was never served any notices or legal papers
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My phone and card was stolen from me and they used it at a 3rd party atm and too XXXX out my account with 2 transactions back to back I put in this claim way in XX/XX/XXXX I have been waiting and have not got my money back or temporary credits. Its frustrating because I have been with this Bank of America since 2013. Over 10 years with not one penalty or claim in 10 years and not one spec of history of anything like this at all. Get my direct depotonto this account since forever. I dont kno whats going on but I trusted this back and been a loyal custumer this whole time and I have XXXX kids I cant afford for XXXX  to be taken and have to wait for since XXXX to even get a temporary credit while they investigate this is ridiculous I need help please
Consumer complaint received 2020-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TN)

To whom it may concern : I am writing to seek justification and clarity to a dated system that is in place to bury borrows in debt for life. The federal government currently system of re payment for student loans is one of the only entities that compounds interest daily and requires the borrower to repay all interest before paying down principal. In addition, the daily interest begins while a student is still in school while an individual is going through matriculation to attempt to improve their quality of life. I feel student loans should be handled similar to automobile and mortgage loans where additional money in surplus of monthly payment be applied to the principal.
Consumer complaint received 2021-08-28
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: World Acceptance Corporation (OK)

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 I submitted a dispute to Experian with a letter of deletion that I obtained from The Bankruptcy Court as well as XXXX XXXX reporting agency in regards to a bankruptcy in question showing on my credit report. I have attempted to have them remove this item but they constantly refuse to comply even with the provided deletion letters.
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 — Account information incorrect
Company: First Advantage LNS Inc. (SC)

This debt was discharged in a chapter XXXX bankruptcy in XX/XX/2017 for {$4600.00}. The original creditor was XXXX XXXX XXXX ( aka XXXX XXXX ).
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.