davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
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. (FL)

On XXXX i sent transunion a letter to verify information on my report because it did not seem right. On XXXX They did remove about 2 accounts but they claimed the rest was verified so i asked how did they verify the information and what steps where tooken and on XXXX XXXX i told them " A template response will not be an acceptable response If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. '' But they failed to provide me with that information. I really do regret having to exersise my rights. On XXXX they responded that they can not reinvestigate the items listen unless i have additional information to support my investigation because they " completed their dispute '' but i was told by the free lawyer guy that i can dispute more than just one time. So why is that i am denied of exercising my rights to dispute INACCURRATE INFORMATION. I am requesting removal of these accounts now or i will use these documents to support my claims.
Consumer complaint received 2023-08-11
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. (MN)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Inquiry Removal Due to Unauthorized Access and Fraudulent Activity Dear Equifax Customer Service , I am writing to address certain inquiries on my credit report that I have neither initiated nor authorized. Upon reviewing my credit report, I identified the following unauthorized inquiries : - XXXX XXXX  on XX/XX/XXXX - XXXX XXXX  on XX/XX/XXXX - DEPARTMENT OF EDUCATION on XX/XX/XXXX I believe that these inquiries are fraudulent. Unfortunately, my device was stolen recently, which has led me to suspect that I am a victim of identity theft and fraud. 

In light of this, I wish to bring to your attention the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which stipulates my rights to dispute incomplete or inaccurate information. Under this Act, consumer reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. Moreover, given that these inquiries have the potential to adversely affect my credit standing, it's crucial they be addressed promptly to protect my financial health and well-being. 

Therefore, I kindly request : 1. A thorough investigation of the above-mentioned unauthorized inquiries.

2. The immediate removal of these inquiries from my credit report.

3. Written confirmation once these inquiries have been removed.

4. Advice on additional steps I should take to ensure my personal and financial information remains secure, in accordance with federal and state consumer protection laws.

For your convenience, I have enclosed a copy of the sections of my credit report that display these unauthorized inquiries. I stand ready to provide any additional documentation needed to expedite this process. 

I earnestly urge you to treat this matter with the urgency and gravity it demands. My financial reputation and personal identity security are at stake, and I anticipate a resolution in alignment with the timeframe and guidelines set by the Fair Credit Reporting Act ( FCRA ). 


Thank you for your prompt attention to this serious matter. 

Sincerely,
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I notice Fraudulent accounts being reported on my credit file and according to the FCRA 15 USC 1681 it is illegal to report inaccurate information, I am a victim of identity theft and did not make them charges please delete the accounts that's attached to the affidavit immediately. I have reported the theft of my identity to the FTC and my State Attorney general office. please delete the accounts as soon as possible to correct my credit file.
Consumer complaint received 2023-08-11
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. (PA)

In accordance with the fair credit Reporting act these companies have violated my rights. 
XXXX XXXX Acct # XXXX, from XXXX XXXX XXXX Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-04-09
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: Experian Information Solutions Inc. (MO)

Experian and XXXX are reporting incorrectly that I am 30 to 90 plus days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-09
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: JPMORGAN CHASE & CO. (CO)

Chase has submitted a credit inquiry on my XXXX   XXXX. I do not have any Chase financial products nor did I request any. This is the second time that Chase has done this. They blamed identity theft last time, and I have not had my personal info compromised-that has been verified. Furthermore if it were my identity being stolen than why is Chase the only financial institution that I am having issues with.
Consumer complaint received 2019-04-09
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC (FL)

On Thursday, XX/XX/2019, I received a text message from my spouse ( separated at the moment ) that he keeps getting calls from XXXX XXXX ( who was the original loan holder prior to XXXX ). He said they been calling for a while now. He picked up a on this day and spoke to a gentleman. The gentleman explained that he is a debt collector looking to collect a debt from me. He told my spouse that I owe XXXX but they are willing to settle for {$13000.00}. What upsets me is that I am currently in the divorce process and contacting my spouse on a debt that has absolutely nothing to do with him. I do not think it is right and that a violation for this company to give someone information to a debt that is # 1 not theirs, and # 2 a third party that never was authorized or reference on my account.
Consumer complaint received 2019-04-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I recently sent a letter to Experian asking them how they verified 2 accounts that are on my report XXXX XXXX and XXXX XXXX XXXX. The letter was recieved by Experian on XX/XX/2019. I did not receive a response until XX/XX/2019. 
According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. 
That is well beyond the 15 days allowed. Additionally, I recieved a letter from XXXX XXXX XXXX dated XX/XX/2019 and recieved by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. 
So AGAIN I ask Experian how did you verify/conduct a reasonable investigation the account with XXXX XXXX XXXX  if you have NO signed documents to substantiate the account?
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXXl for {$1900.00} which turned out to be a medical collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXX  for {$1900.00} which turned out to be a medical collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On my XXXX statement the balance subject to interest was {$1600.00} with accrued interest of that period of {$36.00} & a payment of {$130.00}. On my XXXX statement the balance subject to interest was {$1500.00}, accrued interest of {$35.00} with a payment of {$130.00}. My XXXX statement shows a balance subject to interest of {$1400.00}, accrued interest for the period of {$30.00} with a payment of {$150.00}. My XXXX statement shows a balance subject to interest of {$1300.00}, accrued interest of {$30.00} and a XXXX payment of {$150.00}. I call to inquire how the interest that accrued on my XXXX statement in the amount of {$30.00} was just {$.00} less the amount on my XXXX statement of {$30.00} despite the balance subject to interest dropping from {$1400.00} to {$1300.00} a difference of {$140.00}. After speaking to three representatives, on of which was an " account specialist, '' no one could provide a plausible explanation. The last individual said that they would have someone internally look into the matter but no one was going to contact me with an explanation, which is nothing more than an exercise in futility. 

My second concerned that raised is that in XXXX of 2019 my interest rate was raised from 26.99 % to 27.15 %. In the past the expatiation I was given was the interest hikes was base on the federal reserve raising interest rates. However, the federal reserve hasn't raised interest rates and based on information for the fed chair there are no plans to do so this year. I was told today that this interest rate was based on the Pericardial Index listed in the XXXX XXXX XXXX which variable. When I inquired as to why they chose to raise my interest rate the the Index rises but have never lowered my interest rate when the same Index falls, I was not given an answer but told it would be looked into but again no one would respond to my inquiry.
Consumer complaint received 2019-04-09
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. (SC)

Transunion, XXXX, and XXXX  s reporting 8 account that is closed. Only 1 should be closed as paid is from XXXX. Never been associated with these account. Would like them to remove these remarks immediately. Also theres addresses and my name is being misspelled only should be XXXX XXXX XXXX XXXX XXXX address and XXXX XXXX XXXX address should be in my credit report
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tromberg, Morris & Parnters, PLLC (NY)

When I made the initial payment arrangement I did not receive a statement of the debt or a settlement letter/ payment schedule. 
I received a letter XX/XX/XXXX stating the office was open again and could call to have questions answered and/or apply for Covid relief.

I attempted to obtain my amount owed over many months, my calls or messages were ignored. I was never told my debt balance after the office closed due to COVID-19 following my initial calls to request the information in XX/XX/XXXX. 
I made a payment and continued to attempt to contact, I submitted yet another payment in XXXX, and still had not been contacted or was able to contact the office. On XX/XX/XXXX I called again and finally reached the office it was at this time they informed me they cancelled the agreement because the XXXX payment did not process their website ... The had not attempted to contact me in anyway, and I did not receive my monthly notice, with the payment information. 
Bottom line, they refused to contact me and refused to inform me that the payment did not process before voiding the agreement. They refused to honor their statement of being available for questions or COVID relief. 
It appears they were waiting for an excuse and for all I know their internet payment server was down when I made my payment! BUT THEY ABSOLUTELY REFUSED TO CONTACT ME, even after I reached them and they promised a call back within an hour they still didn't call to give me the requested information.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America began foreclosing on my home. I reached out to Bank of America and was told that I would be given the opportunity to modify my mortgage. I called Bank of America several times, left voicemails and no one returned my calls. On XX/XX/2021 I received a letter from Bank of America and was told that Bank of America made a mistake and that there was {$18000.00} that Bank of America overcharged me this the monthly mortgage payment would change. 
Furthermore, I was contacted by Bank of America 's attorney via email on XX/XX/2021 with an attachment from Bank of America dated XX/XX/2021 which states that I can be re-evaluated. I called Bank of America on XX/XX/2021 and was told that they could not speak with me. Please help I don't want to be foreclosed upon.
Consumer complaint received 2019-04-09
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: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-04-09
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. (TX)

XXXX  ; XXXX and Transunion are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the  attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I had a Citi/AAdvantage Platinum XXXX XXXX XXXX XXXX for almost 6 years, always paying before the due date and always paying in full. 

On XX/XX/2019, I logged into my Citibank online account to check some stuff over there and I noticed that it said that my credit card account has been closed. So I called Citibank to let them know that neither me nor any authorized user had requested to close the account. It was then that Citibank informed me that the bank has decided to close my account " due to my history '' ( again I always paid the full balance on time ), without providing any further information. I called many times, many numbers, and even contact them on XXXX and the only thing they could tell me is that I have to send a letter to a Citibank XXXX XXXX in XXXX XXXX, SD and wait for a letter back that could take up to 30 days. There is no phone number or email to contact this secretive Citibank department in XXXX XXXX, SD that unilaterally decided to close my credit card account without giving any previous notice. 

I am currently travelling and Citibank have put me in a very delicate situation with the action that they have taken. 

I never thought that in a country like the United States of America a company that it is supposed to be serious would do something without proper notice or the possibility to talk to someone right away to solve any issues, rather than having to send a letter as if we were living in the 19th Century.
Consumer complaint received 2019-04-09
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: EQUIFAX, INC. (FL)

I contacted XXXX, XXXX  and Equifax credit bureau in regards to a repossession account with XXXX XXXX. I cited XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.
Consumer complaint received 2019-04-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: World Omni Financial Corp. (NC)

On XX/XX/XXXX I received a car loan from XXXX XXXX. On XX/XX/XXXX World Omni Affiliate issued a credit for XXXX and recognized the error on the overcharge and gap mistake.They advised me to keep the letter so credit could be issued in case they didn't correct the problem. On XX/XX/XXXX I noticed paint chips on the door and hood I reported it unfortunately I wasn't in possesion of my contract it was in one of many file cabinets. The dealership XXXX XXXX XXXX stated it wasn't on the service contract. That was untrue It was on the manufactured sticker for XXXX and XXXX for the pinstrip protection plan as well as manufactured warranty.I followed up on plans and services with the XXXX XXXX XXXX they stated only plan that was covered was the Power Train Warranty that plan is already a standard plan for the XXXX XXXX XXXX miles they doubled billed me. On XX/XX/XXXX I asked about the plan first thing they stated I could get a refund. According to the representative of XXXX XXXX XXXX no refund has ever been given. I shared the information with the XXXX XXXX XXXX they then stated we changed ownership and those plans are no longer valid I asked would they like to here it from XXXX XXXX XXXX XXXX or XXXX XXXX on speaker phone they declined. I asked for an updated copy of the contract the figures were in correct although it resembled the conditional offer. None of the math was correct, No services were no longer vailid because they stated due to change in ownership. Failed to write a lawful contract with the XXXX showing credit. XXXX XXXX failed to investigate after constant messages and certified letters. Two trips to the dealership to get a lawful credit and resolve the issues because of the overcharges failed to honor the terms of the contract. North Carolina Law says this is a breach of Contract as well as the American bar association. I have letters dates and times and three different contracts to show just cause. The company simply refused to address the issues. I declared the contract breached after legal advisement based on facts. Returned the vehicle with full month payment on XX/XX/XXXX to XXXX XXXX in XXXX XXXX to try to work on settling the issues. XXXX XXXX stands by a breached contract even after receiving a letter for credit and warranty issues. I've also issued a formal complaint with Omni Financial corporation an affiliate that wrote the credit letter no lawful action has been addressed on there very original contract states it can be rendered invalid if there agreement has not been kept or my agreement has not been kept. All services had been completed all ageements on payments have been met until it was a clear breach of the contract.
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

NETNET NEVER INFORMED ME TO PAY A MONTHLY INTEREST RATE. MY ONLINE ACCOUNT SHOWS THERE IS NO RE-PAYMENT UNTIL XX/XX/2020. THIS HAVE NEGATIVE IMPACT ON MY CREDIT REPORT AND SHOULD BE REMOVED.