davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ND)

On XXXX XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigated these items within 30 days gives reason to immediately remove these items from my credit report. It has been over 30 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor you will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation.

In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I have been disputing several charges from 1 vendor/merchant. This company agreed to provide a multi-day training service, was not able to fulfill the obligation, agreed to refund the money voluntarily, and never did. 

I filed the dispute in XXXX after I realized that the refund wasn't coming voluntarily. It is now XXXX, and my refund has still not been resolved. The vendor advised that there were some sort of limitation with their credit card processor, so they needed to process the payments separately. 

Dispute description is as follows : " XXXX XXXX was hired to facilitate a personal safety class for our staff. We finalized payment on XX/XX/XXXX. The classes were supposed to start XX/XX/XXXX. The owner contacted me to advise that he and his staff would not be able to facilitate the class as agreed and was not sure when hed be able to conduct the class with our amount of people. The owner advised that hed refund the money. Weve been patient in waiting for refund. Its been over a month. ''
Consumer complaint received 2021-07-24
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)

I have sent multiple dispute letters to the credit bureaus in regards to inaccurate reporting on my credit report. There are inquires reporting that I did not authorize and the credit bureaus have not removed this inaccurate information. There are multiple accounts reporting late and I have never been late on any of my accounts. Incorrect balance reporting. Inconsistency. Due to these inaccurate information, my credit score is impacted in a negative manner.
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 information incorrect
Company: Social Finance, Inc. (FL)

My name is XXXX XXXX, I've summited a couple of disputes through XXXX  and XXXX  's web site with no positives results, 4 years ago I entered a program with XXXX XXXX XXXX to pay off some creditors seems it help pay off my debt but there's one creditor that's not reported correctly to the credit bureau stating the loan was never paid or a lost account I've found out that the account was sold to a 2nd party and the settlement agreement was paid to them even though I have uploaded my settlement agreement letter and also another letter stating the account was paid and settle there is no changes made on my credit report with this creditor Sofi,
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (IL)

Back into a car it was my fault. XXXX XXXX paid for the accident and wanted reimbursement Sent to a collection agency with0ut even contacting me for payment. I XXXX a month to pay ot off the full amount was XXXX It was paid off in XX/XX/2023. Them the man at the collection agency told me u owe XXXX more so I asked him to send me paperwork on it he sent me the paperwork for thee XXXX now he's threatening me to have my license revoked but he still won't send me paperwork on the XXXX The collection agen is national service bureau in XXXXXXXX XXXX  The man I'm dealing with is XXXX XXXX
Consumer complaint received 2021-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I don't appreciate wells fargo using XXXX XXXX to represent them & having her go on t.v. to further torment me & XXXX XXXX. XXXX XXXX falsely accused me of harassing her at the bank when she was stalking me on XX/XX/XXXX. The employees at the phenix city location somehow my checking account was being tampered with during XX/XX/XXXX. I was told to go to a local branch by the 800 number to go to a local branch. It was XXXX XXXX who was tampering with my account. I had to open a new account. But after I got it open I was told to go back to the branch again. I was being set up because XXXX XXXX was at the bank which I had no idea. Then after I was at the desk with the banker who was also a witness that I wasn't harassing XXXX XXXX. I did notice how the other employees, were staring at me with a HAHA we got you now look. Then out of the blue, the police came in. But they had a look at what's going on here they saw I wasn't harassing XXXX XXXX.so they left. But wells fargo XXXX XXXX XXXX believed XXXX XXXX side of the story XXXX XXXX sent me a XXXX letter saying my accounts are being closed & I was forbidden not to enter any wells fargo especially the one where they did this XXXX thing against me. 

I never wanted to have an account there, to begin with. But in XXXX I had hail damage on my roof. & my insurance company uses them. This banker XXXX XXXX pressured me into opening account with them, then I get treated this way. This was a XXXX XXXX that the employees pulled at the XXXX XXXX branch. I was treated very unjustly. I had no idea that XXXX XXXX was at the bank that day. But the employees at that branch were doing her XXXX XXXX to try to get me falsely in trouble. 

XXXX XXXX also made XXXX of my XXXX XXXX XXXX. This was very unprofessional for a banker to make such comments as these to a customer. This was very discriminatory & judgement on XXXX XXXX part.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Account shows both charge off and late how can account be both charge off and late. 
If is charge off it cant be late. 
Account shows that there's a balance owed of XXXX to another company but yet it shows in the credit bureau that the company that the money owed to is XXXX this information is incorrect nothing is owed to XXXX since the account was charge off theres a XXXX balance due.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to dispute the presence of collection accounts on my credit report. Upon reviewing my credit report, I discovered that the collection accounts violate consumer protection laws as it pertains to the reporting of income. Here are accounts in violation : XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX Acct # XXXX {$550.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1000.00} The accounts in question stems from a charge-off, which according to the Internal Revenue Service ( IRS ) , is considered as a discharge of indebtedness and is classified as income. As per IRS regulations, this discharged indebtedness is required to be reported as income for tax purposes. However, it is crucial to note that income, including discharged indebtedness, can not be reported on a consumer credit report. 

Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. Income, being a separate entity from credit behavior, is not subject to reporting by consumer reporting agencies. By including this discharged indebtedness on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and subsequently Equifax, XXXX, XXXX are in violation of the FCRA. 

Furthermore, the inclusion of this discharged indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. 

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

Requested rate online for refi of mortgage with couple of online lenders. Received email followed by phone call from Better.com and XXXX XXXX, loan originator. I was told in writing and in phone call because of the 60 % XXXX I estimated and 50 % XXXX XXXX estimated and my excellent credit I was pre approved. 
I made it clear numerous time I was not prepared to move forward yet as I had to leave town in few days to help with family having major XXXX XXXX and would not have access to records of multiple properties I owned. XXXX however assured me repeatedly there were only couple things needed to do online. After answering few questions online and becoming concerned that this was not a no doc or low doc mortgage, the next tasks on website were locking in mortgage and paying for appraisal. I asked her if appraiser needed inside and she didnt know. I told her if he or she did to tell them it would be few weeks. I also asked if I was going to be asked for tax returns as I would need to scan the 50 or 60 pages before leaving town. 
The appraiser called few hours after I paid appraisal fee and was told nothing. The tasks continued to pour in day after day with XXXX and her assistant refusing to take any responsibility for the misleading pre approval and other statements the were fully aware were misleading. The document I did provide with explanations were repeadetly rejected because pertinent information was never conveyed to underwriting. I repeadetly explained for example many properties were paid for but they continued the website continued to request loan papers. 2 properties that are on one insurance policy were repeadetly submitted with explanation to XXXX, her assistant and her team yet they would simply load to website and then tell me they were rejected because address was wrong. 
This repeated deceptive pre approval and ignoring everything I have said since day one including income on application says XXXX when XXXX, mortgage listed twice ect were of no concern to them. All they wanted were task completed which must be 30 or 40 items and website that is horrible for self employed or landlords. They have now insisted my application may be rejected for being incomplete. They accept no responsibility for sucking me into process that I repeadetly told them would be difficult with only cell phone that must be off most all day and records XXXX miles away.
Consumer complaint received 2021-07-24
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. (TX)

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate attention and should be delete asap.

XXXX/XXXX  IN THE AMOUNT OF {$4400.00}
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. (TX)

I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KS)

First, please reference case # XXXX. It was mostly resolved, but this directly relates to it. Immediately after the bank returned my money in XX/XX/2021, I called and asked them to confirm I would be given the airline miles I was promised when I deposited the money. I explained I was concerned that their records would wrongfully show I didn't meet the requirements. The Citibank rep. confirmed this would be no problem, but I needed to wait for it to process. 
I called back in XXXX as I did not receive it and they said an investigation would be opened and I would hear back within 5 days. 
In early XXXX I hadn't heard, back so I called again and was promised this was a " rare miss '' and an investigation would be opened. I received a form letter on XX/XX/XXXX stating I didn't meet the requirements, which was the whole point that I had called twice, knowing that their records would be wrong. 
I immediately called again and demanded to talk with a supervisor. They wouldn't let me talk to anyone else, but said they would open another investigation and that it would be different this time because their supervisor would be informed of the situation. I told them if it was not resolved this time I would be forced to contact the authorities again. They assured me it would be fixed within 2 business days. I received another letter over two weeks letter that was exactly the same as the prior letter. 
No one is listening to me. I have wasted many hours telling my story, but Citibank has only continued to commit fraud against me. 
I would be happy to provide copies of all of the letters. PLEASE HELP! THIS BIG COMPANY IS CHEATING PEOPLE!
Consumer complaint received 2021-03-21
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: Experian Information Solutions Inc. (CA)

I am making a complain. Because i can not verify my own identity due to accounts on my credit report that are not mine. Also my accounts all have been hacked and compromised. Theres accounts on my report that were open without my permission or knowledge. Because its been over 7 years i can not see details. I have been recently dealing with a cyberstalker. That has changed all my passwords and is using my personal information. Has stolen my emails. Attempting to steal more from me. Im trying to figure out why i havent gotten my child support. I suspect theres still fraudulent activity going on. I have no access to any of my emails or accounts. And social media accounts are also hacked and compromised. I am concerned about my sons identity being used too. I need help. I see alot of incorrect information on my credit report. I can no longer access Experian, XXXX, and XXXX. They have been compromised. I need to do more investigation. On my credit report i see 4 mortgage accounts, 2 Auto loans, personal loans, credit cards. I have not used or had any idea. I have been living under low income housing assistance for 14 years. Ive never used my credit. I suspect my father and his wife XXXX XXXX and XXXX XXXX used my personal information to get mortgages and loans. Also i suspect my social security number was fraudulently used to get travel credit cards. But because its been over the 7 years n no longer showing details. I can not see much. Maybe i just dont know how to read it. Im dont have a clue on how to use credit or build credit. I have not learned.
Consumer complaint received 2021-07-25
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. (MD)

My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous time.
Consumer complaint received 2021-07-25
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. (MD)

My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous time.
Consumer complaint received 2021-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

My husband and I are both co-signers for an XXXX  son XXXX XXXX XXXX ( XX/XX/1998 ) on several student loans, ending in XXXX and XXXX, all totaling about {$75000.00}. Early last year, that child got XXXX  and kicked out of college on XXXX  and XXXX  charges on his girlfriend. We then paid his student loans as they came due because he no longer was attending college. 
He is now in XXXX  awaiting trial and sentencing for XXXX, involuntary deviate XXXX XXXX and many other XXXX charges against my XXXX  XXXX  daughter. We contacted Sallie Mae and apprised them of the situation and let them know that paying the $ XXXX on his student loans monthly was not only impossible financially but ethically something that was a betrayal to what is honest and fair, as these crimes were committed in my home a few years before my son left for college.

I asked the process for my husband and myself to be retracted as cosigners for these loans and was told no such thing exists and that we were responsible for the loans and would be taken down the road of collections as long as we continued not to pay.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

I am writing regarding Equifax inaccurately reporting my information. I have tried to rectify this and have sent several letters, along with my drivers license, but it still has not been fixed. This has caused me to receive denials for housing, credit and other things. This inaccuracy started when my information was compromised in the massive 2017 data breach that exposed the private data of nearly 150 million people. I was included in that settlement but for some reason Equifax always states they never received my paperwork, so my claim has been denied. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. I will also be filing this complaint with the Attorney General and other entities.