davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
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. (NY)

I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to XXXX, XXXX, and Equifax but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters
Consumer complaint received 2021-12-10
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. (FL)

As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account. 

XXXX  XXXX
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OS National, LLC (SC)

OS National is the closing company who was in charge of closing on the sale of my home. I signed my closing documents on Wednesday XX/XX/XXXX. It was a mail away closing so the other party signed on XX/XX/XXXX. The company has not wired or even initiated a wire to my account for the funds. I have reached out to several people at OS National where there has been no response on the issue other than we will look into it. I have a new home I am closing on XX/XX/XXXX and these funds are needed to be able to close. They can not send me a confirmation number for the wire they supposedly sent. The amount being sent to me is {$18000.00} and {$15000.00} was to be sent to my closing attorney for my new home. Neither of us have funds. XXXX XXXX at OS National was in charge of my closing and she has been nothing short of nasty about all of this! She has tried to change the final HUD document after I signed to add fees she " forgot to add '' previously. This company is so unprofessional and they do not care about the client.
Consumer complaint received 2021-08-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them. This account was created by a fraudster under my name without my knowledge.
Consumer complaint received 2021-12-10
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)

I have disputed an account ( XXXX XXXX XXXX ) with Experian yet they keep coming back saying verified accurate how? Who? I believe Experian isnt doing a thorough investigation of my dispute, because all three credit bureaus arent reporting the same thing. This account was deleted from other bureaus and I have proof but yet Experian said its accurate by who? Its looking like they have never done the investigation to being with. And I have proof this account needs to be deleted immediately upon receiving this complaint. Also Experian is reporting bankruptcy account and I have disputed that as well and its come back as verified accurate by who and I want to know THE METHOD OF VERIFICATION. Experian is in clear violation of reporting inaccurate information on my consumer file the is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave them anything in writing given them permission to report this which is against the law identity theft at that and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (VA)

I XXXX XXXX entered into a consumer credit transaction with Lendmark Financial Services, LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. This means there should be no separate fees associated with this consumer credit transaction beyond the amount financed. Pursuant to 15 USC 1640 ( a ) ( A ) ( i ) I should receive compensation for twice the amount of the finance charge shown as {$6500.00}.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX and XXXX XXXX XXXX
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
NOTICE : EXPERIAN is only a reporting agency and in violation of utilizing hired overseas agents from foreign governments to handle American National Asset CUSIP information of my Estate and ALL their AMERICAN/CORPORATE ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Agency. 
Therefore, my uploaded supporting documents will show that Eye, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL Negative reporting from these false Reporting XXXX that are preventing professional and financial growth of the XXXX XXXX XXXX XXXX Acct # XXXX. This reporting is also a deliberate trespass against the XXXX and its Fee Schedule. ( See attached ) Per UCC 3- 311, and UCC 3- 308 all reporting creditors have failed to return negotiable instruments nor countersigns of coupons/vouchers to show proof of non-acceptance by way of Certified Mailing as Petitioned, therefore the Estate hereby Demand every creditor have a 1099 OID form filed on every account associated with XXXX XXXX XXXX Under XXXX XXXX XXXX. I Know that YOU as the C.F.P.B. will heed to the attached Filled UCC 1 Statement and MAKE the PROPER reporting to EACH creditor giving NOTICE that the XXXX XXXX XXXX and its Estate are HEREBY Secured Party/Creditors. Any other negative reporting there-after will be seen as Defamation of character, Breach of Common Law Copyright Agreement, Harmful and Abusive Language, and Violation of the Estate Fee Schedule
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC. (TX)

*As the Bank has refused to address matters previously described in 2 PREVIOUS COMPLAINTS... ( a ) Unresolved issue in complaint # XXXX, ( b ) redress in # XXXX .... This is a third attempt to resolve disputes with charges in a closed acct* **As detailed in Feedback to initial impotence '' Partial satisfaction .... ( a ) yes the company provided the 45 day transactions, as requested... ( b ) yes the company provide the desired wire transfer medium... ( c ) However, it is 110 % the Business practices/governance that poured gas on an already burning issue. ( d ) It is 110 % of the compay 's failure to perform this very remedial customer servicing task that created undue burden and hardship on a customer 's financial mean to live. ( e ) It is 110 % of the company 's ineptitude to acknowledge the customer was/is a victim of some financial crimes and Axosbank as a fiduciary of that customer 's issues, failed miserably in being THERE, supporting a customer... Instead, the Company was an antagonist to a customer 's interest. Lastly, there are 3 disputes that must be registered, worked out and processed accodingly.. ( f ) XX/XX/2021 XXXX {$100.00} **The vendor is refunding the amount and that amount should be wired to the desired routing/acct # given in the provided for for ( b ) ( g ) XX/XX/2021 XXXX {$750.00} ** Disputed for failure to provide services. XX/XX/2021 XXXX {$790.00} **Disputed for unauthorized charge. ** XX/XX/2021 BlueHost {$100.00} <~~ Where is that refund XX/XX/2021 XXXX {$750.00} XXXX No services provided XX/XX/2021 XXXX {$790.00} XXXX Unauthorized charge XX/XX/2021 {$74.00} XXXX This charge has been refunded by vendor XX/XX/2021 {$74.00} XXXX This charge has been refunded by vendor Where in the XXXX is my $ $
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

NAVY FEDERAL CREDIT UNION and their registered agent XXXX XXXX XXXX are violating fcra and FDCPA Laws pertaining to my credit report. I do not have the account number as the credit reporting is extremely inaccurate and inconsistent, but the alleged account in reference was a credit card with a limit of {$13000.00}. 

Incorrect and inconsistent Account # Incorrect and inconsistent Date Opened Incorrect and inconsistent Date Last Reported Incorrect and inconsistent Date Last Active Incorrect and inconsistent Date of Last Payment Incorrect and inconsistent Payment History
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. all 3 credited XXXX, XXXX and Equifax doesn't have same info.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.
Consumer complaint received 2019-08-06
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. (WI)

XXXX refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my total and permanent XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop XXXX points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in XX/XX/XXXX,
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (KY)

After opening an account with sofi on XXXX XXXX XXXX I made several deposits. A month later, after applying for a loan, I received an agent that manually reviewed the loan. At the exact time of the manual review, the agent put a freeze on my checking account, as well as denied the loan. It was frozen for 8 months afterwards, showing the message " Your account is currently under review ''. They never attempted to reach me or review the account. 

In XXXX XXXX XXXX, I submitted a CFPB complaint. The bank ( SoFi ) responded that they would keep the account on an indefinite hold, until they concluded their review without any indiciation to the time it would take. Since then, I've contacted them by phone several times. 

The last conversation I had was with an agent that said they could and would hold the money indefinitely. After pushing for a supervisor, I was told, to quote, " I'm your last point of contact ''. I reached out several times more, eventually reaching the identification department. After submitting my ID, receiving text messages to my phone number and submitting a scan of my face. I was told that the verificaiton was successful, but the accounts would still be closed and the money in my accounts ( both checking and investment ) mailed back to the address on file. 

That was over a month ago. I can still view the account and the money has not been mailed. They've continuously lied and illegally held my funds for over 2 years now. I'm an XXXX XXXX XXXX woman, not in the best of health and I've had to fight for years over {$440.00}, inbetween much more important things like medical exams and every day life. 

The practices at this bank are deceptive and predatory, especially to those that might be XXXX XXXX XXXX  and I feel the safety of their customers would do well with an investigation into how they manage verification / handling of held funds, as it seems they believe they are the owner of the money at whatever time they choose.
Consumer complaint received 2021-12-10
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. (MI)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-04-16
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2018-05-24
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. (FL)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX Date opened>>>> XX/XX/2012
Consumer complaint received 2023-02-23
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Please remove all the fraudulent items in my file.
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (OK)

Fidelity Information Corporation sent me formal notices to pay over {$5000.00} with no proof or explanation. When contacting the company, they claim they dont owe you any reason or proof of debt. The claim filed against me was done so fraudulently, whenever I disputed the validity, they silently closed the account and allowed the scammer again to not provide any proof. They are allowing for scammers to file false debts for collection without valid proof. They refused to send me a letter of confirmation and told me they dont owe me an explanation of the notices and closing the account since the claim didnt actually hit my credit. This did however cause me distress because they threatened to hit my credit with no explanation of the letter. They are not following the Fair Credit Reporting Act. When I called to complain about this to try to stop the scammer from affecting more consumers in the future, they basically hung up on me. I have proof of all contact if needed.
Consumer complaint received 2019-08-06
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. (NV)

DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy from my credit report