davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am writing to file a formal complaint against Equifax for their failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed dispute letters to Equifax requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have significantly impacted my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I did not receive a response back from Equifax with the investigation results. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I have made diligent efforts to ensure the accuracy of my credit report and to protect my financial reputation. However, Equifax 's lack of response and disregard for my consumer rights have caused unwarranted stress and financial implications for me. 

I am seeking intervention from the Consumer Financial Protection Bureau to compel Equifax to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report. 


I kindly request your immediate attention to this matter and ask to be kept informed of any progress made in resolving this issue.
Consumer complaint received 2019-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am missing up-to-date credit information from use of my XXXX XXXX credit card at the three major credit reporting agencies. This can be seen in Complaint ID numbers XXXX, XXXX, and XXXX. In summary, when I call all three agencies they say they only report what XXXX XXXX sends them and that is the issue, they do not have the complete information. When I called XXXX XXXX to ask them why this is the case. They say I need to go back to the credit agencies because they have sent them up-to-date information and they are not reporting it correctly. I am now left with severely falling credit scores as a result and having no clue what to do next. I have made all my payments on time and for the total amount due in all cases. I need help as one party is not telling the truth and I am caught in the middle.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have a bunch of hard inquiries in my account that were not made by myself. I called all three credit reports and they suggested I make an FTC report. 

New Inquiry Reported By 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 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2023-01-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I changed to a different company by refinancing. I was having issues with my mortgage due to being a XXXX veteran and being on a budget. I could not get assistance from Wells Fargo and the fees were too high. So I left and found a company that would work with me.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a letter in the mail dated XXXX and opened it when returning from a trip on XXXX. The letterhead had Kohl 's XXXX  XXXX on it and was from their fraud Dept noting that there was " activity uncharacteristic of my normal shopping patterns '' and to call their Fraud Dept. 

I called on XXXX the Kohl 's Fraud Department XXXX and reported that I had never opened a credit card at Kohl 's and only shopped there one time using a personal debit card. This is the first I am learning there was a card opened with my information without my consent. They reported the card was opened in XX/XX/2022 and they would close the card and investigate fraudulent charges. They said there is a XXXX balance on the card. They would not tell me what had been charged or other information pertaining to what happened. Kohl 's had my date of birth and full social security number to have approved this card ending in # XXXX. Kohl 's said they would send a letter in about 6 weeks once the investigation was completed. 

I will need further help to put a lock on my credit so that I am not further scammed.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

My father passed away in 2018. He had a XXXX  Checking account with TCF. Recently my mother received a letter addressed to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX letting them know that TCF has become Huntington. Mom was just placed in XXXX XXXX XXXX XXXX and is under hospice care. I went to the local Huntington branch with my fathers death certificate and my mothers XXXXXXXX XXXX XXXX  to close out the account which is approximately {$2100.00}. They informed me that the money would have to go through probate because they didnt show my mom on the account. I contacted Huntingtons main office and was transferred to their probate unit. Their only advice was to contact an attorney because they didnt know Minnesota law. What are my opinions at this point? I thought a husbands property transferred to his spouse without having to go through probate in Minnesota.
Consumer complaint received 2019-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

I just purchased my home XX/XX/2019, and to my knowledge my first payment was due XX/XX/2019. Before XX/XX/XXXXI received a letter in the Mail from Ditech stating they were my new servicer. I called XX/XX/2019 to gain clarity on whether I needed to pay the previous servicer or Ditech. The representative from Ditech informed me on a recorded line that I did not have to pay the previous servicer, she assured me my first payment would be due on XX/XX/2019 and it would be made directly to Ditech. Any payments I wished to make prior would go towards interest and they weren't required. I spoke with her atleast 15 minutes gaining assurance, with my wife as a witness. I also asked her what happens to the XX/XX/XXXX payment, and she assured me there was no payment with Ditech or with the previous servicer to be made. 

Later, I received mail from my previous servicer stating the payment was in fact due and I had to pay them directly. I gave Ditech a call XX/XX/2019 and I spoke with the supervisor concerning what I was advised. She listened to the recordings from the previous representatives and I, she too agreed I was given wrong/misleading information. She stated she did not have authority to give me a credit, grace period to pay Ditech or anything of that nature. All she could do was discipline the worker. Her solution did not have the fact that I was lied to and now things were completely out of order. I requested to file a complain with corporate, the supervisor filed it and gave me the ref. # XXXX. She said I can call anytime to find out the status, otherwise I would be updated from them. 

Today, XX/XX/2019, my wife XXXX XXXX gave Ditech a call regarding a follow up/status on the complaint. Based on what the representative stated, she didn't see anything directly from corporate regarding a response, but her supervisor informed her we could not skip a payment or push it to the end of the loan. The representative also said we'd have to send in a statement asking if corporate sent correspondence in. We weren't informed that this is how Ditech processes complaints, so here we are looking for a solution.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-09
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. (PA)

upon reviewing my credit reports I notices some accounts that did not look familiar and that I was unaware of. I am first asking that you properly verify these accounts and send the original contracts, present signatures, dates, and documentation of when these accounts were opened. I believe that my rights have been violated according to the Fair Credit Reporting Act. because I disputed some of these accounts a while ago and when I pulled my credit recently I noticed that these accounts are still existing. The accounts that are included are the XXXXXXXX XXXX XXXXXXXX which is child support. It states that this account was opened back in XXXX and XXXX. I am asking for all information on this account that exist on my credit report. I need to know who opened this claim of child support and for what children was this support for. There are XXXX different child support account altogether. Please do a thorough investigation on these accounts in which I am not aware of these currently closed accounts. If no verification can be established I am asking that these closed accounts be deleted permanently from my credit reports. 

There are collection accounts that also exist as well. The first account is XXXX XXXX which the original creditor is XXXX XXXX XXXX . This account is stating that the open date was XXXX. Another account is XXXX XXXX, XXXX XXXX XXXX  which the original creditor is XXXX XXXX XXXX XXXX, and last Online Information which XXXX XXXX is the original creditor. I am asking that all contracts and or promissory notes, all documentation pertaining to these accounts that has my personal information attached to it. 

I also noticed that there are inquiries that should not be listed on my credit reports because I did not request any new credit. The inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Per the Consumer Law 15 USC Section 1681c <f> Indication of dispute by consumer also there should be a prompt notice of dispute to furnisher of information per Consumer Law 1681i 2 <a> and <b> Provision of other information -that the consumer reporting agency shall promptly provide to the person who provided the information in dispute all revenant information regarding the dispute that is received by the agency from the consumer or reseller after the period referred to in subparagraph <a> and before the end of the period referred to in paragraph 1<a>. 

Please update on all credit reports as well that name should be XXXX XXXX XXXX XXXX only Address should reflect as XXXX XXXX XXXX XXXX XXXX XXXX XXXX only there should be no listed employers Again please review and investigate in detail all accounts in question. 

With kind regards XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TN)

The company says own the XXXX dollars. When I have had healthcare insurance the whole time. They never informed of the 6 other bills they take on. So I went for XXXX to over XXXX dollars 3 years. No one informed I own anyone anything until I look at my credit score to find these bills. So how do they expect me to paid them? They only reason I got this sent to me bc I reported on them on my credit. This is not correct way to do business. I pay my debts if I am told about them. But I dont know what is real or fake bill with them. They are charging me 10 interest on 6 of the bill they never informed me of. It looks they just try to damage my credit score with this bull. They never let me dispute or show them I had insurance. I did have insurance this whole time. no XXXX XXXX XXXX XXXX never told me about these bill either. So really hard for me to believe. One of is local radiology that my dad paid off bc we. XXXX we got a bill and we paid. If I dont get bill or proof that paying off that bill its hard for me to paid this company. Attached there proof to this which does not prove the debt to bc I have itemized state of each bill and they dont have that. XXXX to just see a doctor is stupid high if that all I am see as there items of charge. Im sorry I never see a er doctor for more 15 mins anytime I have been there. Average pay rate of a doctor in the XXXX is XXXX in tn and says he all dealt with my situation for 30 mins that XXXX and went 6 times accord to them XXXX should be the total amount on the debt with no insurance.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MI)

There was never an agreement on the lease statement, and I tried to get on the lease ; and was never on the official lease. my roommate, XXXX XXXX was and i paid him when the time came. after i moved out, he stayed an additional month and didnt pay. i did not live there and am not responsible for XXXX actions. Please remove this from my record.
Consumer complaint received 2023-03-09
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: Possible Financial Inc (TX)

obvious violations have been done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of XXXX in violations. 

I willing to see past the violations and demanding that you remove it immediately Those are your only options before you force your sue.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MN)

As of XX/XX/XXXX Ally Financial stated that I have only paid {$3000.00} however they state I have made XX/XX/XXXX payments on my loan. My regular monthly payment is {$400.00} and I was told by a representative every dollar I have ever paid since XX/XX/XXXX has all gone towards interest. Please note my aftermarket product GAP insurance expired on XX/XX/XXXX. I did not cancel this policy, so no credit will be paid. I want to clear up the current outstanding balance, any payment variance, and the total amount of fees assessed during the life of the loan.
Consumer complaint received 2023-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring to your attention an error in my credit file. I recently reviewed my credit report and noticed that : : XXXX XXXX Inquires and inaccurate account, XXXX XXXX XXXX XXXX inaccurate Account, XXXX XXXX XXXX inaccurate Account, XXXX XXXX inaccurate/fraudulent account : : : Despite my previous requests, this transaction has not been removed from my credit file. This inaccurate information has been negatively impacting my credit score and financial well-being.

I would like to draw your attention to the following laws that protect consumer rights and mandate the accurate reporting of credit information : 1. Fair Credit Reporting Act ( FCRA ) - This federal law promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
2. Fair and Accurate Credit Transactions Act ( FACTA ) - This amendment to the FCRA provides consumers with the ability to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

3. Consumer Financial Protection Act ( CFPA ) - This Act provides consumers with protections against unfair, deceptive, or abusive acts or practices by financial institutions.

I kindly request that you take immediate action to rectify this error and remove the inaccurate transaction from my credit file. Failure to do so not only violates my rights under the aforementioned laws but also subjects your company to potential legal consequences. 

Please provide written confirmation once the necessary corrections have been made. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.