davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the rest.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; XXXX XXXX FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, Authorized Agent for XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/XXXX ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.
Consumer complaint received 2023-04-10
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have filed previous complaints however the problem is that no one is grasping that I was FORCED into these loan modifications because of PHH accounting errors and to fix them I could not come up with the money for my taxes ( happened twice ) and they tried to put me into foreclosure twice plus one time I asked for a 2 week maximum extension to make my house payment and again FORCED into an 11 month forbearance. I just want to have the fees associated with these forced modifications waived as they were due to accounting errors on PHH 's behalf. 
This is what gets missed WHY were these things done? I am trying to pay off my house and in the past I was told to just sign these modifications and they would clarify and fix everything later. That never happened over and over. I received fraudulent documents from this company as well. Same name sending me foreclosure information and notarized different signatures. I had to contact and executive in the company to stop a fraudulent foreclosure of my home. That executive is no longer there and I can not find numbers on the internet anymore.

please just take these unlawful fees off my acct so I can pay off my acct and be done with PHH. 
Thank you
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Victim of Identity theft and I have credit inquiries on my consumer report I don't recognize or did not authorize. Please see inquiries below : XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XXXX, XXXX ( FINANCE ) - XX/XX/XXXX, XXXX XXXX XXXX ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2023-07-18
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. (NY)

These Consumer reporting agencies are reporting transactions or experiences between me and creditors making the reports but its stated in the law below consumer reports does not include transactions or experiences so I want all late payments removed from my report and and all closed accounts removed as soon as possible because they are currently giving me a hardship in my life.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; remove all closed accounts and any accounts that causes harm to my credit report now as on XX/XX/2023 this law below made by congress gives me as a consumer that right and protection from these consumer reporting agencies 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2021-10-18
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. (NY)

I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from XXXX, equifaax, or XXXX about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ADP Inc. (LA)

wisely account put my money on hold for a transaction hold, but they never returned the money, I was sent a check for XXXX XXXX  but my balance was XXXX . Also I was not informed or emailed about the decision and now they won't tell me what happened to my money or my employer.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

In response to a widely publicized promotion, I opened a checking account at CitiBank on XX/XX/XXXX. In accordance with the rules of their promotion, they pulled a little over {$50000.00} from two of my other financial accounts. In return, they were to pay me a bonus of {$700.00} after the money had been on deposit with CitiBank for 60 days. 


On XX/XX/XXXX, they sent me a letter saying they were closing the account, but gave no explanation. When I called on XX/XX/XXXX, they still had no explanation, but said they would be returning the money to the accounts they pulled them from within a few days. When I called them early today, they acknowledged they were still holding my money for no particular reason, but they said they would send me a check by snail mail in about two weeks. 


At this point, I feel I have been defrauded. They snookered me into depositing a lot of money in return for a bonus they now don't want to pay. They had no reason to close the account, and now they refuse to return my money. I don't want them to send me a check, because I don't want to take the chance of it getting lost in the mail, which would cause a whole new set of problems. Why can't they just return the money to the accounts they pulled it from, just like they told me they would? 


Finally, I was shocked when I looked at your database to see how many similar complaints have been filed against CitiBank. This caused me to dig a little deeper, and it turns out the internet is littered with complaints about CitiBank burning customer like this. Here are some : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX In fact, the XXXX XXXX XXXX wrote an article ( XXXX XXXX XXXX ) about CitiBank screwing customers over like this going back to XXXX. 


And the XXXX XXXX XXXX now reports they have received so many complaints about CitiBank, they cant publish them all ( XXXX XXXX XXXX ). 


CitiBank 's misconduct has been so longstanding and so egregious that it is now time ( or past time ) for the CFPB to take strong and effective enforcement action to stop their continued abuse of helpless and innocent consumers.
Consumer complaint received 2023-07-18
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-18
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: Garcadia Financial LLC (FL)

On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (NH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-06-19
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. (TX)

XXXX reported a collections notice on my credit reports within the last few days in the amount of $ 230+-. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.
Consumer complaint received 2021-10-18
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: Experian Information Solutions Inc. (CA)

I have sent letters to each XXXX, Experian, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MI)

I originally held a debt with XXXX XXXX XXXX about 3 years ago from the submission date of this complaint. I called to discuss with their customer service representative before the debt was sent to collections, and it was agreed that the debt was invalid. XXXX XXXX XXXX sent my debt to collections anyways to a company called XXXX XXXXy, if it was in error or out of spite I am not sure. I was able to successfully dispute that debt on my credit report on XX/XX/XXXX of XXXX and it was removed from my credit report promptly. It appears as though this debt was sold to I.C. Systems around XX/XX/XXXX. This was done without first notifying them that the debt was found invalid already on the part of XXXX XXXX, and they recently published another collection remark on my credit report for the same debt account. 

As far as I'm aware, it is illegal to duplicate a mark on someone's credit twice for the same debt account, regardless of if it's valid or invalid. This puts either I.C. Systems or XXXX XXXX at risk for litigation, as it goes against the Fair Credit Reporting Act and could potentially be considered harassment or an attempt to damage my credit in retaliation for successfully disputing it. Note, it has been disputed again, and found invalid on XX/XX/XXXX. This debt has been found invalid by each of the 3 credit reporting bureaus as well. 

I would like to have this matter dealt with and this debt dropped. It's an invalid debt stemming from either a clerical error or miscommunication on the part of a customer service representative. I would like to put an end to the harassment and attempts to damage my credit, and if possible I would like to see legal ramifications levied against XXXX XXXX for selling invalid debt to another collection agency, and against I.C. Systems for double reporting an invalid debt to a credit bureau. In addition, XXXX XXXX XXXX should be held liable for going against a verbal agreement and selling invalid debt to collections, but that is a matter for the collections companies to deal with and not me. 

I've done my duty of disputing this debt on multiple occasions through multiple companies. I have reached out directly to I.C. Systems to dispute the debt with them today as well. I think 3 years of weekly to daily calls and emails is more than enough to constitute harassment, not to mention they never leave a voicemail so it is impossible to identify the company or account and dispute it with them without calling and being harassed and told to pay up. 

Please put an end to this matter once and for all.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

I received a notice from Online Information Services XXXX Inc. regrading an attempt to collect a debt in the amount of {$150.00}. I have never lived at the address of record that the electric service was billed for in XX/XX/2020. I contacted OIS and they instructed me to file a complaint here, file a police report, and then send an email to reliant with a fraud affidavit and police report attached.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The status is incorrect for the following account XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely
Consumer complaint received 2023-05-06
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. (LA)

It is illegal to record transaction history according to 15 USC 6802-6805 16cfr 313, 15 usc 1681 fair credit act, privacy act of 1974, Fair debt collection practices act 16 cfr 433.1 definitions .2 .3 Charge off is considered a certificate of indebtedness which means it is income and must be removed from Equifax XXXX and XXXX and all other credit reporting agencies