davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-11-23
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: CITIBANK, N.A. (NY)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-04-22
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. (AZ)

Attached to this complaint is documentation for review. I am a victim of identity theft. The following accounts, collection account and credit inquiries are fraudulent, unauthorized and arent mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX, XXXX XXXX  XXXX. I filed a police report with the XXXX County Sheriffs Office for the fraudulent accounts and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report. The police report case number is : XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX has been reporting incorrectly. Not sending proper notification of validation for account listed on my consumer report. The dates of activity is factually incorrect and the activity date on the account is illegally reporting and improperly investigated. I will send the screen shot of the account so you can closely take a look at how it is improperly reporting inactive dates to ensure that the account remains open and listed on my consumer report. It is not correct validation. Give me the method of validation and process used please. The process that you used to validate the debt. Who you talked to contact and the address. 15 days to respond. Last Date of activity to keep updating this debt. Last Date of activity that you made a payment on the account. I never made a payment. That is fraud. Date opened on is incorrect, the amount owed on each report is incorrect, and reporting incorrectly. Past Due amount is incorrect XXXX las active in also incorrectly. Las date of payment. I have not made any payments and they haven't provided me with no 1099 c and they claim to have charged off the debt. I asked for a 1099c they ignored me and never rpodvide me wit it
Consumer complaint received 2022-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I recently challenged the validity of XXXX XXXX XXXX account thats being reported on my Experian credit report. After challenging this collection with XXXX. The account was subsequently deleted and removed based on the lack of ability to verify the accuracy. I noticed as A result of challenging this account with Experian you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA. 

If the account isn't removed this will indeed result in small claims legal action against Experian at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting 's ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of the account. Your response should not be " The account is not on your report ''. My report has been refreshed and as of today it is. See attachment.
Consumer complaint received 2022-06-14
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. (WA)

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A subsection2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-11-30
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. (GA)

Spoke to XXXX at Equifax. this is not my account, XXXX XXXX XXXXXXXX XXXX ( CLOSED ) Account Number XXXX XXXX
Consumer complaint received 2020-12-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX I was attempting to refinance my coop with Bank of America. 
Everything was going along nicely and we were about to close on the deal when Bank of America then had an issue with my cooperative board and the deal failed to close. 
Now, in XX/XX/XXXX, I am refinancing and I have been told that there is a UCC 1 lien placed on my cooperative by Bank of America on XX/XX/XXXX, even though I never received financing from them. They placed a lien on my stock and lease prior to the deal closing and never removed it. Now I can not close on my current refinancing until Bank of America removes this lien that never should have been placed. I have called many different BOA numbers but I can not get anywhere or even speak to a representative without a loan number and there is no loan number since we never closed on the refinancing. I have also emailed BOA 's lien release department but they do not respond. I am attaching the UCC 1 lien placed by MERS as nominee for Bank of America.
Consumer complaint received 2022-10-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I think it was XXXX I was told by my school XXXX to get private loans to pay for my classes. they took all the money for the hole course! the school did not offer any help at all and did not finish the first class. The school told me I had to pay for the class again as I had no more money I had to drop the course. The school did not refund the moneys back to the private loan provider and I am still paying for something I did not receive. And I am still paying today XX/XX/XXXX
Consumer complaint received 2020-12-15
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX
Consumer complaint received 2018-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I Applied for a loan modification and was approved but the interest rate stayed high at 4.25. Before i applied for a modification my interest rate was 3.75. What Ocwen did was offer a second loan and not charge interest on it but it will still be due at the end of the loan term. 

I am one of the affected home owners for the ocwen settlement and I demand that My Mortgage gets the proper loan credits that I am entitled to as per the settlement I am entitled to demand a permanent principal reduction of XXXX XXXX on my loan as a complete loan forgiveness. When I was under a review for modification my account escrow balance was changed several times and i filed several complaints back then. 

I demand under federal laws that my Loan gets credited XXXX as well as my Interest rate to be dropped as low as 2 % for the remaining term.
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have to 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.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TN)

During the time of my marriage, I decided to get a TJ Maxx credit card which is through synchrony bank. Unfortunately, my husband left me and took the clothes that I purchased. I am now going through a lawsuit with synchrony bank. I have never hard of retail stores suing and winning lawsuits. I saw that synchrony bank with to another law firm in order to get me to pay. I fell on hard times really bad, got evicted from my apartment, hourly job that doesn't pay much, and they are a very hard to reach company to work out options. I am never getting another retail card again and of course, I haven't shopped in TJ Maxx in ages every since this happened.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UMPQUA HOLDINGS CORPORATION (CA)

I was sent two unsolicited credit cards, a visa and an XXXX XXXX. I have been trying several days to cancel the credit cards and each time I have been transferred over 3 times and have waited several hours just to speak to a fraud representative. After calling over 3 times, the bank has still been unable to cancel the cards. I would just like to reiterate these cards were unsolicited.
Consumer complaint received 2018-12-09
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. (IL)

My identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX  {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed immediately.
Consumer complaint received 2018-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (SC)

The date I received the letter was on XX/XX/2018 from Phoenix Financial Services.

The amount this company says I owe is XXXX.

It shows that Phoenix Financial bought the around from XXXX XXXX XXXX. I don't know who they are either.

Why are they contacting me and I'm not sure if my identity was stolen. Please assist.
Consumer complaint received 2018-04-22
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)

My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.
Consumer complaint received 2023-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

1st. I received a summons to appear in court. I had received no notice of closure of the account. I received no other contact via mail. I did not receive a notice 15 USC 1692g ( d ). This is a clear violation of my rights and I expect it to be properly investigated and prosecuted.

2nd. The sum being requested for repayment far exceeds any credit account that I ever have had in my life. No amount of garnered interest can account for the inflated demand of the litigation. ( {$9400.00} ) 3rd. The suit is being brought forward by XXXX XXXX XXXX in XXXX  registered XXXX XXXX Nonclassifiable Establishment. This seems like an obvious deception attempt. Wouldn't a Law Firm that was providing strictly legal services register as NAICS 541100 - Legal services. They can't register as a legal service because they are providing ( financial services ). But they can't register as a ( Financial services ) because that would make them a junk debt buyer and then they couldn't sue on behalf of there clients if you guys actually put 2 and 2 together.

4. Also lets take a look at this " Nonclassifiable Establishment '' XXXX registration because XXXX XXXX XXXX is where they lawsuit was filed. In XXXX they have registered agent with a company called XXXX XXXX XXXX XXXX Who also has a registered agent with a company called XXXX  XXXX XXXX out of XXXX XXXX XXXX Now here is the kicker, XXXX  XXXX XXXX has a registered agent of XXXX XXXX XXXX XXXX XXXX who has listed XXXX XXXX XXXX as there registered agent. This means that those entities loop back onto each other. I'm sure there is nothing illegal about that right. 
I also noticed that the cfpb seems to not take the side of the consumer even if that is directly in the name. How do I know this well i have looked and seen all the complaints that have been brought forth to you about this company and it appears all they need to do is just say hey guys we did our job right and you all brush it off. So I will be including a copy of this notice to a large panel of our elected officials. Your boys club protecting the debt collectors is over.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act, XXXX  account XXXX account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-14
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. (TX)

The customer service for the following companies on this list would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I am experiencing an ongoing issue getting a fraudulent block removed from my Equifax that is blocking companies from accessing my credit report. I first made contact with Equafax on XX/XX/2022, and was advised that the issue was my address being reported two different ways. I was assured they had corrected the issue and that the report would be able for the mortgage facility to view 3-5 days. Roughly a week or so later my credit was attempted again and same issue. I called back in on XX/XX/2022 to advise and was instructed to click a link that was texted to my phone from Equifax and upload two forms of identification to unlock this block. Once again, I was advised this would be resolved in only a few days. I then received a letter in the mail stating they received the documents and block was lifted. Fast forward to XX/XX/2022, I am onsite at a car dealership attempting to make a purchase and was advised once again they can not access my Equafax report. I called into Equafax at the dealership and was then asked to resend the documents as they didnt receive them. I advised that I received a letter stating they received them and more concerning if they did not then where did my social security card and drivers license go that was uploaded to the link they gave me? I asked for a XXXX and was told by the XXXX they cant unlock it because they didnt receive the documents and didnt know where they ended up. The XXXX was absolutely incompetent and did not want to assist me only to give me a fax number to send these very same documents they lost back to them again. I agreed to fax them thinking they could take care of this at that time only to be told by the XXXX it would be another 5 days to process. This is unacceptable and I have not been able to take care of purchases that are very important as I can not get anyone to fix this issue for me. I am needing help desperately with getting Equafax to fix this issue for me.
Consumer complaint received 2022-10-20
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 request that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Bankruptcy : Bankruptcy Reference. Incorrect Name : XXXX, XXXX, XXXX, XXXX. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XXXX i requested a validation of letter concerning the validity of this alleged debt. They failed to respond. I am aware of FCRA and FDCPA law. This agency is in violation under 15 USC 1692 G and 15 USC 1681. I am requesting the removal of this account from all three credit bureaus XXXX XXXX XXXX XXXX XXXX