davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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 will continue to dispute my credit report for errors until corrected. I will not respond to any letters sent, only response will be conducted through CFPB site only. 
Furthermore, I have not seen any corrections or been provided with the requested information to validate alleged obligation. I have filed complaints with FBI and other regulating authorities.
Consumer complaint received 2020-11-11
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: Experian Information Solutions Inc. (NC)

THESE LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report in XXXXXXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX Balance : {$35000.00}
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I filed a dispute with the credit bureaus, regarding in accurate information which included addresses that do not belong to me, and accounts that do not belong to me. I asked him to do an investigation into it and please provide me with the results. They failed to do so. They violating several laws, but not following federal policies and procedures of demand that the investigation should be done and information be removed from my account.
Consumer complaint received 2022-11-01
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. (MA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the accounts below otherwise remove them from my file : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
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. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (CA)

I XXXX XXXX XXXX want to file a complaint against XXXX.I am requesting validation that is competent evidence bearing my signature. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this XXXX  they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate.AARGON COLLECTION AGENCY
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo placed me into a Covid-19 forbearance program, with the promise to place any missed payment on the back end of the loan. Even though I was in forbearance some payments were made. The forbearance ended in XX/XX/XXXXand payments resumed. However, this past Friday ( XX/XX/XXXX) I received notice that on XX/XX/XXXX foreclosure proceedings would begin.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has an item on my XXXX and XXXX XXXX account stating I committed fraud in a transaction. This was posted XX/XX/2016. Nearly five years ago. They claim no financial loss but have wrongly attached this to my record. 

This is basically keeping me from opening checking accounts. And it is blatantly untrue and needs to be removed.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

I received a call from a company saying someone had ordered {$4500.00} worth of car parts through XXXX- they wanted me to confirm the charges. I did not order them, so they declined the charge. They told me to check my credit report because this was likely a stolen identity fraud situation. The report shows two open accounts that are not mine tied to an address in Florida that is not mine. I live in XXXX, TX. I called TD Bank NA ( acct opened in XX/XX/22 ), which shows a {$6000.00} balance that is two months overdue. They weren't able to do anything since I didn't have the complete card number - the credit report only shows the first 6 digits. I filed a fraud alert with XXXX, XXXX and XXXX and froze my credit report with all 3. The 2nd account was a XXXX XXXX  account that was opened on XX/XX/22 tied to XXXX. They were very helpful, found the account tied to the Florida address and shut that card down. The address tied to the fraud is XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I was told by XXXX that they are using my name and my SS #.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

After reviewing my credit report on XX/XX/XXXX I notice that Equifax is currently reporting inaccurate information on my consumer report. 

The account under the name : XXXX XXXX XXXX reports a missed payment back in XX/XX/XXXX. This is inaccurate reporting. My bank records shows that this account was last paid in XX/XX/XXXX.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA vioations not mine not my loan XXXX XXXX SERVICES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XXXX XXXX Balance {$14000.00} Balance updated XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XXXX  Status Account charged off. {$26.00}, XXXX written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$250.00} as of XX/XX/XXXX Monthly payment was never late XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Child Support Responsibility Individual Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1100.00} Original balance never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check for {$390000.00} to my CHASE BANK account on XX/XX/XXXX. The check was cleared the same day ( i.e. : the funds were withdrawn from the account of the person who wrote the check ). 

It's now XX/XX/XXXX, and CHASE BANK still has {$200000.00} of the funds on hold. They temporarily released some of the money, but have closed the account without explaining why or providing access to my money.
Consumer complaint received 2021-01-05
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. (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 : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2021-01-05
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 : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OH)

I called my servicer, Edfinancial on XXXX, and XX/XX/17. I requested a refund for my full loan balance paid during the payment pause. No timeline was made available and I have received no confirmation that the process has even been initiated per my request. 

The first time I called, the estimated timeline for refund was weeks. The second time I called, the estimated timeline was 5-6 months for a typical refund. The rep also said that the request hadnt officially been initiated. 

Im concerned that they have not started the process and that edfinancial can provide no further details. As I research, I am also concerned that other services are providing refunds at expedited speeds, while Edfinancial is unable to provide a simple update on timeline.
Consumer complaint received 2024-01-31
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing from TransUnion. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-09-17
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. (NJ)

I disputed the items on my equifax account and they didnt update or fix the negative hard inquiries on my report the information they have on there is inaccurate and I disputed them a few times and they still wont update it the billing addresses for them are wrong and they were paid in full
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (MI)

On XX/XX/XXXX Alliance One contacted me, by mail without my permission. In the contents of the mail was a letter stating This is an attempt to collect a debt, and any information obtained will be used for that purpose. Which is a Violation of my consumer rights under 15 USC 1692e ( 2 ) ( a ).

Within the same letter, were 12 other violations of my rights as a consumer under 15 USC 1692 which have been labeled and attached as proof. 

On XX/XX/XXXX I sent Alliance One a Cease and Desist, Affidavit Of Truth, an Exhibit with all violations labeled, and a Invoice. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the Original Creditor.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Deposited a check from my account at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. Used Mobile App to make the deposit. B of A is holding the check for 10 business days causing an undue hardship. The check has cleared my XXXX XXXX XXXX  account but not reflected as deposited into the Bank of America account. Funds are available on XX/XX/XXXX.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AR)

Hi earlier this month, I paid a 5 dollar fee to have a replacement card sent out and the card was supposed to arrive within 3 to 5 business days. The card hasnt arrived, and I have had no access to any of my money for weeks. Due to an issue with my phone company, I am not able to call the company to discuss the issue by phone, but I have contacted the company through the bbb, and have not heard from the company this time. I have had similar issues with this company multiple times in the past with my money being put on hold in some sort of way without me being able to access it due to an issue on their end, and it felt like it was being done on purpose. For some reason, I keep having issues with things that should be simple
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (PA)

I went to pnc for my credit card and paid them in the branch for the amount owed in XXXX now they are saying that Im 2 months late which dropped my credit score. And it never deducted. Which is messing up my whole business. I contacted them and told them. They said they needed a receipt
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (TX)

I am writing to express my dissatisfaction with the second attempt to correct the late open account associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

I first brought to your attention the discrepancies in my open account. Despite assurances that the matter would be promptly addressed, the issue persisted, leading to further inconvenience and frustration on my part. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a second attempt was necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of this discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. 

I trust that you will treat this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution at the earliest convenience. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$22000.00}.