davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX : Experian To Whom It May Concern, I sent a letter to Experian dated XX/XX/XXXX disputing unauthorized inquiries as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate these disputes. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiries from my report. 

I have frozen and suppressed All XXXX party information vendors since Summer XXXX, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX  XXXX. EXPERIAN MUST VERIFY THESE UNAUTHORIZED INQUIRIES DIRECTLY WITH THE COMPANIES LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiries are unauthorized : FACTUAL XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX-XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  CARD Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Experian. 

Sincerely,
Consumer complaint received 2021-01-14
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: U.S. BANCORP (CA)

On XX/XX/2020 and XX/XX/2020 there were charges at XXXX XXXX XXXX XXXX AZ for {$310.00} and {$200.00} supposedly purchased with the chip. 

I called the fraud services and immediately received a new card and they began the resolution process. On XX/XX/2020 they charged back these charges to my account stating that there was no fraud. I called customer service and they said that I needed to submit documentation but would not tell me what type of documentation. I then found a receipt that I was at a doctors appointment in XXXX, California where I live the day of one of the charges. I faxed the information to US BANK. I then called to follow up and they said I needed to talk to a fraud specialist and they would call me within 24 hours. I have not heard from them and it has been over a week. They also stated it was not fraud because chip cards can not be duplicated.
Consumer complaint received 2023-06-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC (FL)

The company has repeatedly contacted me after I have told them to stop. This is a false debt by the University of Massachusetts. I was VA XXXX going to school with my Post 9/11 GI Bill. I had a medical withdraw from my VA therapist which was approved by the school. They tried to charge the VA for that semester and it got denied. They then tried to charge me and gave this collection company false information. I dont owe this university any money. I have ceased going to school because of this, and other political topics I was forced to write. This is a false debt by a scamming university!
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Good Morning, For several years I've noticed a clear difference between the credit scores provided by Experian, XXXX, and XXXX  ( Experian is always rating my credit dramatically lower than XXXX, and XXXX  ). I suspect that it is because I do not take advantage of the Experian " Boost '' feature. This is unfair as, I believe, the 3 Credit Reporting Agencies should be using the same criteria to fairly rate consumer credit. 

A current example of what I'm speaking of my credit ratings, as of today ( XX/XX/2021 - a 60 point difference ) : XXXX XXXX - XXXX XXXX  - XXXX Experian - XXXX (??? ) Your assistance in addressing this would be highly appreciated.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be fixed from erroneous reporting in my file. 

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 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX XXXX XXXX  repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate. XXXX  XXXX XXXX XXXX refuses to send a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with their obligations under the FCRA is a negligent violation.
Consumer complaint received 2020-03-11
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. (AL)

Transunion is reporting my account XXXX  XXXX XXXX balance {$250.00}, this account has been paid for almost 2 months. They are saying that it hasnt been updated since XXXX, but I have contacted the credit card company and they have updated this balance 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time transunion claims they have not received these updates. This is really hurting my Score. I have contacted them almost 30 times within the last 2 weeks. I have not been able to get anything resolved with them, and I think they are not reporting my information correctly.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

We need to complaint on the company Fair Collections and Outsourcing, they are collecting on behalf XXXX XXXX, a property management company for an apartment we leased on the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

When we moved out from the apartment, the property manager told us we would receive a notice with the calculation of the charges or refunds depending on the work required to fix or clean the apartment. we never received that letter or notice so we contacted the property manager to update our new mailing address, but they said they were working on the letter. After multiple attempts to get the letter or at least an update the property manager they stop answering our calls. 

Suddenly a collection popped-up on out credit reports, a collection with Fair Collections and Outsourcing who is collecting on behalf the property management company. Since the balance is over {$6000.00} dollars, we contacted this company and requested information about the account, they were not able to tell us the reason of the {$6000.00} dollars debt, they could not explain how the property management company calculated this amount. Also, we requested an itemized statement of the debt, but the collection agency refused to send it since they mailed one already, however we never received that letter, so we asked what address they mailed it and it turns they mailed to the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX the same address where this debt is coming from, after clarifying the address to the representative he confessed they received a return mail but anyways will not send a validation/itemized statement.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

My mortgage was sold from movement mortgage to Mr. Cooper mortgage and I did not have any notice of this, therefore I was continuing to pay XXXX XXXX through my bill pay with my bank account. Now XXXX XXXX is not forwarding those payments to my new loan account through Mr. Cooper, and now it has been over 60 days. 
I have tried to contact movement mortgage on numerous occasions and once I tell them the issue the call gets disconnected. I know that it is against the law for them to withhold those payments that should have been forwarded to the new mortgage company. Please help as now Mr. Cooper mortgage is showing that I am past 60 days late. 
Also I asked my bank to send the proof of my payments to movement mortgage and mr. Cooper mortgage and they have. I have tried to follow up with movement mortgage and no response. 
Thanks XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (TX)

I did not apply for this XXXX XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove from my credit report immediately.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (NJ)

A debit company ( SOURCE RECEIVABLES MANAGEM ) report a debit for {$850.00} dollars to the credit agencys. according to them the original creditor is XXXX 
I told them over the phone that account doesn't belong to me. They refused to removed from my credit report.
Consumer complaint received 2020-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass have avoided contacting me and trying to settle this issue with my loan for XXXX  XXXX XXXX XXXX pickup. I have filed several complaints trying to get them to respond. I found out my loan was with Compass Bank lost control of my loan last year then they filed an insurance claim with there company as a loss in XXXX, when we received a deferment to pay the loan in XXXX. Compass no longer exists, BBVA nor Compass is on my truck title so they do not have possession of the loan nor the Truck. I have been trying to refinance this loan with several companies have failed. Okay two weeks ago I started getting mail from Attorneys stating I was being sued by Compass/ BBVA to be exact XXXX XXXX XXXX AND XXXX XXXX was being  sued, I was not sure why they was trying to sue my email address. There company claim that my email has possession of the XXXX  XXXX XXXX XXXX pickup. when I received this letter I contacted there Attorney to inform him that I was the only one on the loan and that XXXX is an email not a person he told me I was not suppose to find out about the petition the company was trying to stop the FDIC and CFPB from shutting them down and that they have never paid to have me served. But there last reply through CFPB stated we are in litigation, BBVA or someone at Compass keeps writing comments on my credit report in order to damage me this bank have broken ever Federal and State Law as far as finance. I have all document  attached this is no longer a State Case we are looking to take this Federal as well they have violated OCCC Section 348.114. they have also violated Texas Finance Code 168.1 and 602.1 and 698.3. I  had to go online to find the petition filed against me there is nothing in this petition about my money that was paid my date of default or anything I am waiting on a reported to contact me from new line 8 if they refuse to respond to me maybe they will talk to some one and at the same time this will go public. l am currently waiting on  our court date BBVA / Compass need to be shut down If they do not serve me to go to Court and they are stalling for time what do a consumer do NEXT? Answer Serve them!!!! I will see them in court I am not going to go away they have ruined my credit and life. they need to contact me only!!!!!! XXXX XXXX XXXX at XXXX and or email at XXXX or XXXX XXXX
Consumer complaint received 2023-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DE)

I have been reporting this account since I've become aware of it. I don't have any other information except that I was put on the account as a cosigner. My husband XXXX XXXX XXXX ) who is now deceased, left me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. I had found out in late 2018 that it included putting several credit cards in my name and somehow having someone cosign my name to a vehicle that was repossessed several months after getting it and now the companies are holding me liable for the payoffs. I have been having trouble to prove my innocence due to him not being alive, lack of knowledge of the chain of events and accounts.I don't have documents to attach because I don't know anything about these accounts except what the collection agencies have sent me. If a death certificate is necessary, I will attach that.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I am a customer of Wells Fargo. I opened a new personal checking account online through their website. I funded the new checking account from my business checking account. 
It took 5 business days to fund my new account from the business account, which as I believe is more than what is allowed by regulators. 

Please look into this for me. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2021-01-14
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. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately
Consumer complaint received 2020-03-11
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: SYNCHRONY FINANCIAL (AZ)

My credit score took a big dive XXXX down to the 600 's I logged into XXXX  and found a PayPal/SYNCB account that I knew nothing about and never opened, I suspect fraud and or identity left. This account has 170days of late payments which is destoying my credit score. I knew nothing about this and never received any bills or e-mails, since it was not me who opened this account. 
I found inquiry report that three times that day, my credit was pulled by XXXX/XXXX, SYNCB/PAYPAL and XXXX  XXXX / XXXX  I never authorized those and knew nothing about them. I have filed a dispute with XXXX. 
PAYPAL/SYNCB refused to give me any help or information, please help me
Consumer complaint received 2021-01-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thaxton Investment Corporation (MO)

The predatory lender, Heights Finance, extended me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I own anything to levy, garnish or seize. Yet they send me an actual check in the mail. All I had to do was sign and deposit it without any other documentation or even filling out an application. Such as terms and conditions, interest rate or fee disclosures. And now they are continuing their predatory assault against me by reporting this negative information to the credit bureaus. Now they are suing me! Credit should have never been extended to me, yet it was.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have tried 3 times to get Experian Credit Bureau to remove my old names and addresses and businesses that were operating out of those addresses at that time. I no longer live at those addresses nor are the businesses operating anymore since I have retired. The FCRA compliance says if the United States postal service can no longer deliver mail to me or my businesses, Posting this information on my credit report would be false, misleading, and more importantly inaccurate. The credit bureau is not allowed to report inaccurate information on my credit report. They are very reluctant to remove this information. I sent a request for removal on XX/XX/2020/ XX/XX/2020/ XX/XX/2020 no removals as yet. ( document provided ) They also mare reluctant to remove some Hard Hits all made within a 5 day period for the same reason done to 1. ( document provided Thank You XXXX XXXX. SSN : XXXX
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I had a workplace accident on XX/XX/2019. I dislocated my shoulder. Taken by ambulance to XXXX XXXX XXXX XXXX. I was in contact with my employer 's insurance. XXXX  ( XXXX, Claim XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  FL XXXX ) charged ME for Ambulance services, and sent the bill to Collections with ARS ACCOUNT RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX charged ME for the ER visit. I took my claim information to XXXX, but it wasn't put in their system. I visited the business office at the Eastside XXXX  TWICE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) and sent the bill into collections with XXXX XXXX XXXX / collections at XXXX XXXX XXXX # XXXX, XXXX  XXXX, OK XXXX It had already been sent to Collections, and was out of their system I started getting calls from their collection agency. I explained that it was workman 's comp. I contacted XXXX  's, ( see above ) and they assured me that they would correct the situation with the collection agency. My credit score has dropped 300 points. and I've just blocked the collection calls. I was assured by XXXX  's that they would negotiate with collections. Through no fault of my own, I am being chased for this collection.
Consumer complaint received 2023-02-16
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. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I am a co-borrower on a mortgage loan with 5/3rd bank. My name has been removed from official tax documents while my co-borrower 's name remains. This is the fourth lending company that has managed our loan and the first to remove my name and access to important tax documents. I made a complaint and they said there is nothing they can do. This unfair practice impedes my ability to claim this mortgage on my taxes and manage the loan, and was arbitrarily determined without fair notice and explanation.
Consumer complaint received 2023-02-12
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. (MS)

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XX/XX/XXXX Delete this item immediately