davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
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: EQUIFAX, INC. (OH)

Greetings, I send several notices to Equifax regarding this account not being mines. 
On one credit report it shows it was removed than I next month it reappeared. 
Also I seem like no human being is actually reviewing my documents because there no cross references to what I demanded the creditor agency to provide to ( me ) the consumer. 
As shown in my paperwork the creditor nor did Equifax provided any response to my request my validation or proof I authorize this account to be open in my name. 


My next step is to submit a FTC identity theft and police report to the Federal Trade Commission and possibly legal action against Equifax for violation of FDCPA, FCRA, and also the alleged creditor agency for violation of Debt improvement collection act ( DICA ). 


P.S. I send three times below the unverified account to Equifax. 
There more documents I send as well. At the moment do not have it in my possession at the time. 
Thank you
Consumer complaint received 2021-12-06
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2018-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I placed a dispute in to the major credit reporting agency on XXXX, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.
Consumer complaint received 2023-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one have a charge off on my report for {$2500.00} XXXX XXXX XXXX  have Charge off on my credit report for {$930.00} and {$950.00}. i send in a ftc report the remove the XXXX XXXX  charge off and add it bad. I have no knowledge of these accounts listed on this report. i was a victum of idenity theft
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (FL)

I have asked XXXX XXXX XXXX card to work with me to lower my interest rates several times thru the ten yrs I have had this card. And they refuse to do so. I am never late with my payments and would like to be able to pay more on my monthly payments but can not afford too for their monthly payments are to high and I live on Social Security only. Thanks for taking my concerns.
Consumer complaint received 2018-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I contacted XXXX on XX/XX/XXXX because too much money was garnished from my wages. I was then told to contact Navient. I contacted them and was told that I would receive a check for the over paid amount ( XXXX and XXXX ) within 30-60 days. I contacted them again on XX/XX/XXXX because the second amount was garnished. I was then told it would be 60-90 days for my refund. I contacted Navient again on XX/XX/XXXX and told that now it would be 90-120 days and the money would be sent directly to my employer. I was never notified in writing or by phone call of the change in policy.
Consumer complaint received 2018-08-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (AZ)

I had my vehicle financed with XXXX XXXX XXXX. I called XXXX to see if there was a local office I could go to to payoff my loan. I was told since they are an internet company they do not have a local office I could use for this purpose. I sent funds to payoff the loan to them electronically. Per discussion with a phone representative the funds were received and were sufficient to payoff the balance of the loan. The funds were received by XXXX on XX/XX/18. I have a prospective buyer of the car so I called XXXX on XX/XX/18. I was informed the title to the vehicle will not be released until 10 - 30 days have passed. I asked if the reason for the delay was to verify funds used to payoff the car has cleared and was told no. It is just XXXX 's policy. I can not imagine a valid reason to wait a month before the title to the vehicle is released by a lender. This is an unfair practice.
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This account ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XX/XX/2018 claim # XXXX. On XX/XX/2018 transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XX/XX/2018 @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XX/XX/2018 in the amount of {$3000.00}, for XXXX again. I called XXXX on XX/XX/2018 spoke with XXXX  and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX   placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XX/XX/2018 for an temporary credit adjustment for claim # XXXX, but was not issued on XX/XX/2018 into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. I now have another account ending in XXXX  with Bank of America with the same problems.
Consumer complaint received 2021-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (IN)

XX/XX/XXXX We refinance our home with CrossCountry Mortgage LLC this was a Cash out when we close with the title company Cross Country told them to give us all the money but to hold back {$2400.00} and that CrossCountry would put it into Escrow. When I notice that we were missing {$2400.00} I call CrossCountry and I was told yes we have it in Escrow. I told them to send me the funds ASAP. I never got it. So as you can see I have written them 10 times begging for our funds. then in XX/XX/XXXX I sent the head office of CrossCountry a letter telling him that if I did not get our {$2400.00} that I was only going to send XXXX of the XXXX payment and that they would take the rest of the payment out of the escrow account. So that is what I did XX/XX/XXXX. CC reported to all three Bureau 's that I had missed a payment causing my XXXX  dropped XXXX points. They have cause us all kinds of problems. Then I got a litter from CC telling me that they had raise our payment XXXX because out Property Taxes had went up. Now this was XXXX per month for one year. I went to the XXXX XXXX to see if it was true. that would have ment that our taxes went up {$1100.00} a year. XXXX XXXX told me no you P/Taxes only went up {$61.00} for the hold year XXXX. I sent the head office of CC that they was not to raise our Taxes XXXX each month, that they was to have taken the XXXX out of our escrow account. 
CC just wanted to rip if off.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

It was brought to my attention, a local retailer in XXXX NJ, XXXX XXXX, was allowing my ex to use my XXXX XXXX card issued by Citibank. As soon as I was made aware of this, I contacted Citibank as of XX/XX/XXXX as I did not authorize these purchases and or was/is my signature on file! I do not and NEVER have and an authorized user on my card either. I was made aware of this when my ex got arrested, I was listed as a contact person on is car, and was called to come and pick it up. There was an invoice in there in which he made a purchase, half on my card and half on his card. Again I did not authorize this and my card should have NEVER been charged. It is my understanding that there is a 2 year time frame, both which I am and was in when I filed the complaint as one was from XX/XX/XXXX and the other in XX/XX/XXXX for a total of almost 700.00. Please note the first purchase I found by calling XXXX XXXX  corporate office and the rep searched for it via his license plate. The only reason why I did not address this sooner as I was not made aware and I had alot of work done by using my card as well therefore the balance with interest originally made sense. The issue I am having now, is that Citi is not removing the charges, they feel that I am responsible for them which I am not. At NO time should any retailer let another person, regardless of whom it is charge another persons card with out their consent. If they were doing their job correctly, both the retailer and Citi, they would see that my card says clearly see id! I have been a victim of fraud previously! This case was reported in XX/XX/XXXX and had been closed many times for an unknown reason ; I have complied with all of the information they have requested from me. Last week I contacted the corporate office of Citi, and spoke with a rude witch, XXXX. I advised her of all the issues as above in detail, the conversation was at least 30 minutes at which time she advised me she would review it further. My main arguement of which it is clear in the contract is THEY DO NOT HAVE MY SIGNATURE, IT IS NOT AN ONLINE COMPANY AND I DID NOT AUTHORIZE THESE PURCHASES! I AM NOT LEGALLY RESPONSIBLE FOR THEM! I get a call today and she was a witch once again just basically reading me the letter which was sent as of XX/XX/XXXX advising me, to bad there is nothing we can and will do for you. You are legally responsible for these. Again, I am not legally as my signature is not on file. This is not hard people. Since I am getting no where with them, I am turning to you for help. Citi bank and XXXX XXXX clearly promotes fraud and that is against the law!
Consumer complaint received 2022-07-08
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-08
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

This is related to Complaint XXXX. When Citibank FINALLY provided me with specific detail on XX/XX/XXXX regarding their decision to not re-issue my XXXX Credit Card, it comes to light that it was based on a so-called-charge-off on a Sears MasterCard Account ( they are the parent for the Sears Credit Cards ). With my own investigation it appears a Sears Mastercard  was fraudulently opened in my name on XX/XX/XXXX. I received no bills for payment for the fraudulent account ; therefore, was not aware of the fraud until XX/XX/XXXX. I pulled my XXXX Credit Report on XX/XX/XXXX. There is not a Sears account recorded on it. I pulled my XXXX Credit report today ( XX/XX/XXXX ). There is not a Sears account recorded on it. Due to my meeting directly with a local Sears store manager and his call to the CitiBank Executive Offices, I finally received a call from a man by the name of XXXX. That call happened about 3-4  weeks ago. He said he was going to research the issue. I have followed up 3 times with XXXX and had to leave voice mails. I have received no response at all.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (PA)

I recently sent out a letter on XX/XX/2020 to Equifax to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my understanding, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-26
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-23
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: TRANSWORLD SYSTEMS INC (MS)

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) trans world system inc 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-07-08
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. (SC)

I went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.
Consumer complaint received 2018-09-13
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. (NY)

Hello i sent multiple letters out to XXXX and XXXX about these inquires on my report but noone has gotten back to me yet on my XXXX account i have 4 inquires and on equaifax i have 17 thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from 2016 and i have no idea what they are.
Consumer complaint received 2018-08-23
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: AES/PHEAA (MS)

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )
Consumer complaint received 2022-07-08
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. (SC)

I went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.
Consumer complaint received 2022-07-08
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 instruction
Consumer complaint received 2018-08-23
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. (CA)

Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- XXXX  , Equifax and XXXX XXXX .