davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear trans union I looked over my credit report and I see accounts that dont belong to me and I believe them to fraudulent XXXX XXXX account number XXXX XXXX XXXX XXXX  XXXX I also notice these names our not mine XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX Also these addresses are not mine either 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 I have one address and these are not it. Also these numbers are not mine either XXXX, XXXX these are not my numbers I have one number
Consumer complaint received 2023-08-18
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. (TX)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-05-04
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. (TX)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.
Consumer complaint received 2020-02-09
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. (TX)

XXXX  voiolations : race or color. national origin. religion. sex. marital status. age. * applicant 's receipt of income from a public assistance program. applicant 's exercise, in good faith, of any right under the Consumer Credit Protection Act. 
please remove the unlawful lates. 

XXXX  : XXXX Is Facing a {$100.00} XXXX Lawsuit Over Its Service Plan. ... The state isn't suing XXXX for bad customer service per se, but for the sorts of misleading claims and practices that have given XXXX such a poor public image. ( XXXX 721.18 Exchange programs ; filing of information and other materials ; filing fees ; unlawful acts in connection with an exchange program. 

721.19 Provisions requiring purchase or lease of timeshare property by owners ' association or purchasers ; validity. 
XXXX  XXXX XXXX :
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 — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian still continues to report this account inaccurately. They are reporting a closed Credit Card, 30 day late XXXX XXXX  XXXX, this account was closed and paid in full & never late and CLOSED in XX/XX/XXXX. A debt validation letter was sent on XX/XX/XXXX I received a letter back from XXXX XXXX that they were going to remove this account from my credit file which has not occurred. They have continued to fraudulently and inaccurately report this account on all three credit reporting companies. Please see the attached documents for proof of this. Ive also included my bank statement for to prove that payments were made to them in XXXX and XXXX of XXXX. They told me in writing that this account would be removed on XX/XX/XXXX, it has not been removed. 
I've attached proof of payment when I closed the account and the prior months payment for XXXX and XX/XX/XXXX. I've attached numerous examples of this company reporting this account fraudulently and inaccurate. I've attached the letter they sent to me stating they would remove it.
Consumer complaint received 2023-08-17
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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: Porsche Financial Services, Inc. (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-05-04
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)

1 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX 2 ) ACCOUNT NAME : XXXX XXXXXXXX ACCT # : XXXX 3 ) ACCOUNT NAME : XXXX XXXX  ACCT # : XXXX 4 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX 5 ) ACCOUNT NAME : XXXXXXXX XXXX ACCT # : XXXX 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
Consumer complaint received 2019-06-26
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. (TX)

XXXX placed a derogatory on my Equifax credit file. This was erroneous and XXXX agreed to remove it. See attached XXXX letter and Equifax credit file. I was turned down for a loan because of Equifax 's erroneous reporting of the XXXX derogatory.
Consumer complaint received 2019-04-24
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: Experian Information Solutions Inc. (NC)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX AUTO FIN XXXX not mine XXXX CRED XXXX not mine XXXX XXXX not mine XXXX BANK XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX, XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX FUNDING XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (FL)

I have received at least 8 letters in the mail during the last couple of weeks. These letters are from local law firms stating that I have been sued by a company called Velocity Investments. I have no idea who this company is, what debt they are referring to, what amount, etc. Yet, I am getting these threatening letters in the mail almost on a daily basis. I have reached out to each of the law firms and asked them to remove me from the mailing list. I am the victim of identity theft so I have been down this road before. Debt collectors with harassing calls, texts, and letters for a debt that is not even mine. I even had one company show up at my door to say I got served. I've had companies threatening to call my job. This Velocity investment seems to be another in a long line of scam companies.
Consumer complaint received 2018-01-15
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America is trying to use a 3 day float time on a cashiers check. The entire point of a cashiers or bank check is there is no float time. That is why they cost money as opposed to personal checks. They are doing this as a fraudulent practise to use your funds for money market accounts which they profit off of. They will say it is because it takes time to clear it. However to after it clears it goes into a money market account and not into my bank account. I tried talking to them after waiting on the phone for 40 minutes they tried acting like it is normal..

They also steal a XXXX out of every cash deposit over 200 dollars and occasionally charge you fees you should not get. All making you spend time to get it back. They always give it back when they are caught. But I should not have to catch them and spend hours on the phone trying to get my money back. 
It would be nice if the government actively policed them ...
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (TX)

I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.
Consumer complaint received 2023-05-04
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 requested all three credit bureaus ( Equifax, XXXX, and XXXX ) to verify a bankruptcy that shows in my credit report. I asked them to verify the information with the court in two occasions XX/XX/XXXX and XX/XX/XXXX. Both times the bureaus " confirmed '' that the bankruptcy had been verified by the court. I then wrote to the court on XX/XX/XXXX asking them if it was true that they had received letters from the bureaus asking them to verify my bankruptcy. I never heard from the court. So, in XXXX XXXX XXXX, I called the court and verbally asked them if the bureaus had sent letters of verification to them. The court clerk explained to me that the court never verifies this type of information with the bureaus. I then wrote to the bureaus on XX/XX/XXXX and again on XXXX asking them to remove the bankruptcy from my report because they never verified it with the court and in fact they lied to me when they said they did. Up to now, they have not deleted the bankruptcy. In my last correspondence to them, I warned them that I would file a complaint with this agency if they did not delete the unverified item from my credit report. I am writing to you hoping that this issue can be resolved once and for all. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), the bureaus are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. It is obvious that at least in my case, none of the bureaus verified the item and are still reporting in my credit which is affecting me tremendously because I can not re-finance my house at this time due to this issue.
Consumer complaint received 2020-02-09
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (CA)

This company holds four collection accounts under my name for credit card/medical debt. They constantly keep changing the dates of these collections on my account to make them look recent, when in fact they were over two years ago. They also keep changing the name of the collection agency from LVNV to Resurgent Capital Services, back and forth on my credit report with different and more current debt dates of the action ; thereby, keeping these accounts on my credit report with newer dates ( Both LVNV and Resurgent Capital Services use the same address and phone numbers.This is so they will not fall off within the seven years as required. Three of these debts are medically related and I have filed a complaint with the California State Dental Board against this company. I also notified the original creditors as well as the collection agencies of this dispute and filing with the State of California. These were all ignored as well as all my other correspondence with these creditors and collection agencies.I also just recently went through a natural disaster ( XXXX XXXX, XXXX California ) and lost everything. I have a FEMA Number.
Consumer complaint received 2019-06-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I attended XXXX  XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I had taken a XXXX dollar student loan through Sallie Mae which was XXXX a semester. I withdrew a couple days into my second semester and the college tried to get me to pay them for second semester but I contacted them and it was fixed that I didnt have a balance and that they never received the XXXX for the other half from Sallie Mae. Since then I was unemployed and XXXX and in XXXX a lot and for several years I had told them that and asked for forbearance. In XXXX Navient still had my loans and my credit had been destroyed they put me in default and took my whole tax return. Now since then my lions were turned over to XXXX XXXX XXXX XXXX and Dept. of Education and Ive been on a repayment plan and out of default. I should not owe XXXX only XXXX. Im attaching all documents and would like to get refunded and the remainder of my balance eliminated and my credit repaired.
Consumer complaint received 2019-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

My name is XXXX XXXX. I have been fighting with FedLoan services for quite sometime. I have obtained a lawyer ( XXXX XXXX ) to help me fight against them. Long story short, ( XX/XX/2017 & XX/XX/XXXX   ) their website payment and email system had many flaws. Emails would indicate that a payments are over due. I would visit their site to make a payment, but no where on the site would it indicate an amount, nor would it indicate which loan was due. I have many loans with FedLoan from school. So I would make a payment so that I could at least make some payment so I wouldn't impact my credit, I still continued to receive emails saying I owed money. So I called to see if I could get a consolidation so that I could get a single payment with no confusion. The representative said he would pause payments until he could get approvals for me to get a consolidation. And that if I saw credit late notices on my credit to disregard them and that it will eventually get removed. Well, they never got removed, nor did they seem to want to remove them ( " Its a late payment regardless is the response i got '' ). So I decided to get automatically payments setup so that I didn't have to deal with these problems. Now I have all these late payments in my history and it's destroying my life. I can not get a mortgage or any other benefits because of what Fedloan services have done to me. I have contacted the Federal Student Aid office to have this investigated. In addition, I have applied to have a consolidation with a new loan office to aid me going forward and i am hoping to get approval so that i no longer have to deal with the Fed Loan service anymore. I have contacted them numerous of times to resolve our differences and they refuse to come to terms to help me. They have also declined a " payment of deletion '' offer that was suggested by my lawyer.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Privacy — 
Company: BARCLAYS BANK DELAWARE (NY)

Hi, i recently received a barclay arrival plus card. I had not have the satisfaction of using credit due to the card not benign activive or on hold for more than 45days. 
The credit company is requesting a copy of my SS # from & back, Driver license with copy of bank statement to verify my identity. 
I spoken with numerous customer service rep, to address this issue. The customer service would state " In order to resume my account I need to send a SECURE passcode to number on file '', I get the secure code & pass the verify to find out my account is still on hold. 
I have a matter on my account, which I ca n't address because of the hold on my account. 
I fax over 3 times copies of verification. I omitted certain information for my privacy sending sensitive information via fax, mail, or online according to the privacy act law. 
I had made numerous payment to my account and in good standards. I DO NOT SEE WHY MY ACCOUNT IS NOT BEING UTILIZE TODAY. I SUBMIIT DOCUMENTS AND NO RESOPNSE.
Consumer complaint received 2018-04-18
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TX)

I have an issue with my mortgage. I was unemployed from XX/XX/XXXX through XX/XX/XXXX. In late XX/XX/XXXX, I approached Well Fargo to request a re-fi to enable me to reduce my burden given my employment situation. They agreed and asked us to pay a small amount monthly, which we paid on time every month, and they eventually came up with a 40 year plan with a higher interest rate in XX/XX/XXXX ( predatory? ). We agreed to the terms and began to make payments on this new loan. We didn't have much choice as I had not yet landed a job. All of our payments have been as per commitment and on time for this new loan starting in XX/XX/XXXX. Well Fargo then reported us late to the credit agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX,  without notifying us. We were applying for a loan and were denied due to poor credit from late mortgage payments. We disputed this and it was rejected even though they sent a letter saying that they will not report us late to agencies as long as we were on time. The letter actually contradicted itself! In speaking with their loan consultant during that time period, I made it crystal clear that we did not want this to impact our credit, and that we would draw the money from other places to make payments to avoid credit impact for this secured loan, and she said it would not affect credit as long as we complied with new payments as requested. We did comply. When we complained about this, we were given a case manager to specifically work on our case and were told to call her for assistance while this was being worked. I called the Case Manager about 5 times and she never returned my call. She chose to deal with us via postal mail, not even email, with contradictory messages! Ironically, all the reduced payments did was add the interest to the end of our loan and increase the loan amount! I'm now gainfully employed and have been since XX/XX/XXXX but we're not able to qualify for a loan for our XXXX going to college and relocating there in support of them. What can we do to get our credit repaired quickly, given that Well Fargo still claims that their process was followed correctly? How can we be reported as late those months when we were making payments on time? Thanks in advance for the help and advice.