davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (OR)

I have noticed several unauthorized credit inquiry 's on my Equifax credit report. I have contacted the companies involved multiple times and they have still not been removed. The unauthorized inquiry 's are below. 

DATE COMPANY ADDRESS 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 XXXXXXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I received a notice from TransUnion, dated XXXX XXXX. I received the notice XXXX XXXX. The notice said my credit score had a negative item. The notice said I could call this phone number ( XXXX XXXX ) to find out what the negative item was. That phone number is 'not valid in my location '. 
I tried going to the online address that was on the notice to view the information and was n't allowed. TransUnion wo n't allow me to set up an account -after I gave all the necessary information. TransUnion wo n't allow me to view the negative information.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

This is an ongoing complaint with Specialized Loan XXXX XXXX ( XXXX ). I filed my original complaint XXXX because I could not close on the sale of my previous on time because SLS refused to submit the pay-off timely. Then when we had a resolve SLS did not follow through on their commitment to making the refund timely. So I filed another complaint XXXX. 

I received my refund and took SLS at their word ; on XXXX XX/XX/XXXX " Your account no longer has a payment due. The current principal balance of the loan is {$0.00}. There are no funds held in escrow. There are no funds held in suspense. '' SLS further stated in their response on XXXX XX/XX/XXXX, " We have sent a manual update to show that the account has been paid in full... Your account no longer has a payment due. The current principal balance of the loan is {$0.00} ... the account is paid in full. '' Yet XXXX has reported to the credit bureau that as of XXXX I am 60 days delinquent in my mortgage payments. 

I have been denied for a mortgage twice since XX/XX/XXXX. In XXXX I applied for a mortgage loan from my past mortgage company and when denied had a long conversation with the representative. This is when she told me it would be difficult for me to get a new mortgage because SLS is reporting that I am delinquent even as of XXXX XX/XX/XXXX, that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please keep in mind my closing date was originally XXXX XX/XX/XXXX. XXXX is reporting to the credit bureau that I am delinquent in making payments on a {$0.00} balance, paid in full, closed account.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 )  Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Received this letter from Transunion, it is attached, regarding my dispute. Im not sure with this means, but I, XXXX XXXX is the one submitting this dispute no 3rd party. Dispute is attached. I spent a lot of money sending this letter certified for someone to make an assumption that is not valid. 

I see they have a file number on the letter so that number is XXXX
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

XXXX XX/XX/2020 XXXX I was trying to add to PayPal balance. Because I was working on a comic with my artist and one of ways to pay him was through PayPal. But once he increase his price due to home bills related issues. I have to find a way more effective way to pay him. So I decided to use PayPal as a vault to hold money, like 150 this week put another 150 next week to complete the project before he change his price again. But now they telling me I can't transfer and my account is ban. I can't use PayPal anymore. But I haven't done anything illegally. And alot of people has been having this problem. I already sent them my state ID, even called and talked to them.
Consumer complaint received 2022-03-15
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. (IL)

In XXXX I sent my ID, SS card, utility bill, FTC Report, and a police report to XXXX and Equifax to remove several inquiries that were created fraudulently. Both companies removed a few items but failed to follow the law and remove all of them. 

XXXX failed to remove : XXXX XXXX - XXXX Equifax failed to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I disputed a tradeline on my account back in XXXX for supposed medical services. I 've never been a patient at this hospital. I never received any debt verification from either Equifax or the third party collector. I disputed it again with Equifax and again, I never received verification back. I sent the company a letter asking for the debt to be verified according to Texas State Law and that letter went unanswered. I filed another dispute with Equifax for the same tradeline with the same results, no verification. I called Equifax on XX/XX/XXXX and spoke with a young lady and I explained that the debt has never been verified and according to the FCRA, the debt must be removed until it can be verified according to my state laws and she refused to remove it from my report, even after I told her that the other XXXX reporters have removed the debt from my report and they were the only hold outs. If I call the company, that can start the statute of limitations over even though my state SOL expired last year and they ca n't legally sue me. Equifax is in willful non-compliance of the FCRA and according to the law, they are required to remove the tradeline from my report until the debt is fully verified according to Texas State Law of which, I sent clear instructions to the collector indicating what is required to validate the debt. I also filed a CFPB complaint against the collection agency and as of XX/XX/XXXX, they 've not responded or acknowledged the complaint.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-03-15
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. (CA)

XXXX, XXXX, and Experian have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX Bank XXXX XXXX Bank XXXX XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false information.
Consumer complaint received 2022-03-15
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)

XXXX, Equifax, and XXXX have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false information.
Consumer complaint received 2022-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (NC)

I opened up a credit builder account with Self Financial. I paid the initial process fee and they In return open up a certificate of deposit and report that amount as a loan on my credit report. I made monthly payments to them until it was paid off. In return they are supposed to cash out the certificate of deposit and return that money back to me. I have not received any of my money back from them. I opened up a XXXX XXXX XXXX complaint and the company told the XXXX  that they are having a hard time in identifying me and that they holding my funds because they believe that my bank account is fraudulent. Everything that Self Financial has stated or claimed has been dishonest.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Pursuant to 15 U.S. Code 1666b - Timing of payments XXXX XXXX you are in violation! It is evident you have violated this entire section.

You have failed to comply with this section 15 U.S. Code 1666b and I am demanding you to correct all your errors, you have broke the law!
Consumer complaint received 2024-03-11
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. (IN)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I hold loans with MOHELA in the amount of approximately XXXX from medical school. In fall of XXXX, I consolidated them together and applied for the PAYE plan. Due to the student loan pause, I held off on making payments, saving so that I would be ready when it restarted. On XX/XX/XXXX I applied to switch from PAYE to the SAVE plan for lower monthly payment and interest subsidy, as my monthly interest is way above what I can afford to pay at this point in Residency. It has been left processing since that day, with no further information from MOHELA. I attempted to call in late XXXX and early XXXX, and was given basically no information after being on hold for almost an hour. The people attempted to reach out to supervisors, and I was passed along multiple times, but no one had an answer. I was eventually told that it is just " stuck '', it is broken, it can not be processed and they aren't sure why. I was told I was " stuck '' on PAYE during the first call, but then in early XXXX I was sent a message stating I was on standard repayment and my first payment would be around XXXX a month. I called back, was on hold again for over an hour, and given the same run-around. This time I was told it is still stuck, but I was transitioned off of PAYE to standard and they weren't sure why, but they couldn't change it back. After an extended time, I was told that I would be placed on forebearance starting in XXXX. When I asked about the interest subsidy, as I should be on SAVE and not having increasing interest with payments, I was told they can not do anything about it till it is fixed. I was told after it is fixed, I may possibly be able to file a complaint to have it adjusted but this is not guaranteed. I am extremely frustrated as I sent in the information over 2 months ago, and they have given me no answer or timeline despite multiple hours and calls. I am also having increasing interest when I should not.
Consumer complaint received 2022-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

When I contact Experian, it ask s for my date of birth and SSN. It then says it does not recognize my information. Yet my date of birth has not changed, and my SSN hav e not changed. You can not reach a person because they need your date of birth and SSN, which in my case they don't recognize.
Consumer complaint received 2024-03-11
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. (FL)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject-dispute of inaccurate Information on Credit Report I am writing to formally dispute Information on my credit report in accordance with the provisions outlined in 15 U.S. code 1681 i have carefully reviewed my credit report and i have identified the following inaccuracies : XXXX XXXX XXXX XXXXXXXX Amount- {$300.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXX XXXXXXXX Amount- {$2400.00} - - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXXXXXX Amount- {$600.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXX XXXX Amount- {$27000.00} - I do not have a contract XXXX this company and i don`t owe debt, please IMMEDIATELY I am Requesting a thorough Investigation into these items, as they are not reported accurately. i have included supporting docs that substanitate my claim. 

Please ensure that these docs are taken into account during your investigation. 

According to the Fair credit reporting Act ( 15 US code 1681 ) you are required to compete your investigation within 30 days of receiving this letter. i kindly request that you provide a written response, including the results of your investigation and any actions taken, within the timeframe, if you determine that the information is indeed inaccurate, i ask that you promptly Correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I received a promotional letter for my business checking account to apply for a credit card and line of credit, the problem is that it was under a name i 'm not familiarize with who is not associated with my account.
I waited for the long weekend to end ( labor day weekend ) and call the business department at Wells Fargo on Tuesday XX/XX/XXXX and asked who is that person and how her name is associated with my businesses.
The respond was that they can see the promotional letter and that after talking to the fraud department they provided me with a case number and said that the fraud department will contact me with in 48 hours. case number # XXXX The week goes by and no one called so i decided to do a follow up hoping to hear they found the error and that it was fix at the minimum and hopefully there is no fraud attempt on my account.
I called the fraud department and gave them the case number above, they said they are not dealing with this claim and that i need to talk to the businesses department once again.
so i called once more and this time after verifying with " the executive office '' i was told " we ca n't see this letter in the system '' we do n't see this name on your account and the only thing we can do is change your preference of solicitation so you will not get those letters in the future.
My respond was : the only reason i found that this name is associated with my account some ware in the bank is because i received this letter so why would i like to not get those any more. I understand that this name is not on my account but consider wells Fargo history with creating duplicates accounts and not getting a clear answer onto why this name is associated with my account in any way ( for the second time by the way - the first time i let it go thinking it might just be a glitch ) i would like some one in higher attorney to ask those questions and hopefully get a clear answers : 1. Who is XXXX XXXX XXXX ?
2. How is she associated to my business in the bank data base/account/literature?
Consumer complaint received 2022-12-17
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. (IL)

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, 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 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.