davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

Thats are 17 hard inquiries on my credit report that I have disputed with all credit bureaus thats still are being seen on my report. I reported that these inquiries were made fraudulently.
Consumer complaint received 2023-03-25
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : CHILD SPRT XXXX Balance Owed : {$29000.00}
Consumer complaint received 2024-03-07
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. (TX)

XXXX, Equifax, and XXXX are reporting incorrect information for account XXXX XXXX XXXX. The balance of {$6800.00} is not correct. I have attached my last statement from XXXX which shows a balance of {$6500.00}. Furthermore, the statute of limitations in the state of Texas is 4 years so this account should report a balance of {$0.00} which is another FCRA violation. I am convinced that the credit reporting agencies assume that consumers are not aware of their rights and that is why they continue their gross misconduct and negligence. Due to the incorrect reporting of this account, I am demanding that this is removed from my credit report within 21 days. I have attached the credit repair and other documents to show the inaccuracy for your reference. Also note that I disputed this account months ago and you did not notate on my credit report that this account was in dispute which is another violation. You all are also furnishing different information for the date last active which is another violation of the FCRA.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WA)

LexisNexis refuses to provide documentation they rely on to report an inaccurate bankruptcy they allege is mine. Last request was to provide identity documentation which was provided to them on XXXX.
Consumer complaint received 2019-09-24
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. (IL)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX x2 XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

A letter dated XXXX XXXX, XXXX from USAA Federal Savings Bank stated a successfully paid off my balance to my motorcycle loan and I would receive my loan in the mail. I now have the loan in my name with the release of lien and still the account appears under my XXXX bureau credit report as delinquent and that I still how. This is a violation of the fair credit reporting act and demand action be taken against this institution as I am no longer liable for this account. In addition I will require compensation for this mishap.
Consumer complaint received 2023-01-27
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I am requesting a one-time 30 day courtesy foreclosure postponement, for the reason that the I was advised I was unable to use my husband 's income, XXXX XXXX XXXX, as a source of income. 

Chase failed to : Ask for my ( husband/contributor ) XXXX XXXX, income documentation. 
Did not request a non-borrower contribution form. 
Did not request for proof of occupancy from the contributor/husband. 
Did not ask for his tax returns or a 4506-T I've faxed in a completed application for a loan modification and/or a repayment plan agreement. 
I am requesting that my family and I be granted a one time foreclosure exception request in order to review our application and forward to the Loss Mitigation department, in order for the account to be assigned to a case manager and forwarded to a team member within Chase 's Underwriting team. 

This account has never been granted a foreclosure postponement in the past. 
I was denied the opportunity apply and use my husbands source of income. 
This account has not been reviewed in the past for a short sale/DIL review, in the event the account is not eligible for retention option. 

Documents Attached to the fax sent to Chase are as follows : Foreclosure Postponement Request Complete Loan Modification and/or Repayment plan application. 
Non-Borrowing Contribution Form ( husband ) 4506T for Note holder 4506T for Non-Borrowing ( husband ) 2018 1099 for Non-Borrowing ( husband ) 3 to 4 month Profit and Loss for Non-Borrowing XXXX husband ) 5 most recent consecutive check stubs from employer for Non-Borrowing ( husband ) Social Security Award Letter for Note holder 1 Bank Statement Cycle reflecting proof of SSI deposit for Note holder 4 Bank Statement Cycles reflecting proof of employment deposit for Non-Borrowing ( husband )
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (WA)

I applied for a new credit card from Wells Fargo on late XX/XX/2019. The information on the official Wells Fargo mentioned " Apply in minutes. Get a Decision in Seconds. '' Nowhere in the page or the website of the application of the credit card, did they mentioned that it may take longer than a minute or it would involve additional steps to apply for a credit card. After I applied for the credit card, I received a letter in the mail saying that I need to verify my identity. I called them and went through some prompts. The customer agent told me that was it. A week later I received another letter saying the they still need to verify my identity. They want me to go to the nearest bank, show my ID and bring a copy of my utility bills. My credit score was XXXX before applying. I would have received the credit card, but was denied and it hunted my credit score below XXXX. I objected to this since I applied not knowing that all this would be required. If I knew all the requirements, then I would not have applied. My credit score is not lower because of the application and I don't have a new credit card. This has affected my score and it has costed me money since my interest rate have increase. Wells Fargo has deceived me in their credit card application and continue to deceive others.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.
Consumer complaint received 2019-09-24
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)

After numerous attempts to get fradulent accounts, fradulent addresses, names etc off of my credit report i have had no response back or any actions taken to have them removed from my credit reports as of yet or any validation from these fradulent accounts, names, etc. The following are not my accounts : 1.XXXX XXXX XXXX   acct # XXXX** 2. XXXX XXXX XXXX acct # XXXX** 3. XXXX XXXX XXXX acct # XXXX** 4. XXXX XXXX XXXX acct # XXXX** acct # XXXX** 5. XXXX XXXX/XXXX acct # XXXX** XXXX XXXX XXXX XXXX acct # XXXX** THE FOLLOWING NAME SHOULD ONLY BE ON MY CREDIT REPORTS FROM ALL 3 BUREAUS XXXX, XXXX, TRANSUNION AS FOLLOWS : 1. XXXX XXXX XXXX THE FOLLOWING ADDRESS IS THE ONLY ADDRESS THAT SHOULD BE REPORTED ON MY CREDIT REPORTS FROM ALL XXXX BUREAUS, ALL OTHER ADDRESSES ARE FRADULENT! 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX SC,XXXX
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (FL)

I requested an international wire transfer of {$9000.00} from my account at PNC to a relative in XXXX. I presented the financial adviser at PNC with a detailed printout of instructions including the IBAN and Swift codes of both the intermediary and beneficiary bank as well as addresses and account numbers. The adviser assured me everything was input correctly. After a week of the other party not receiving the funds, I asked my branch if everything was ok. They told me to wait. After three more days, I told them to trace the funds. They were unable to get a response and told me to continue to wait. After another week of waiting, I was able to piece together that the Swift codes were transposed. I brought this to the attention of the branch manager only to learn that they had known this for a week and had tried to correct it without notifying me. However, the beneficiary bank will not respond to their trace/recall and I am being told they can not refund me the {$9000.00}.
Consumer complaint received 2019-09-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Security National Financial Corp (KY)

We contacted XXXX XXXX XXXX XXXX in mid XXXX to see about getting preapproved for a VA home loan. They came back said we were preapproved, so we went ahead and put in an offer on a home. We continued with XXXX XXXX XXXX XXXX. We turned in all paperwork they wanted and everything was approved. We had several closing dates but due to what they say was VA inspector report being submitted late it put our closing off. We kept in contact with them everyday, signing all disclsures. We got home owners insurance and a home warranty. We finally got a closing date of XX/XX/2019 at XXXX. They call and said they had to push the closing to XXXX cause their people didnt finish with paperwork yet. So we made sure it was going to happen and they scheduled the closing with title company. We went and got all the utilities put in our name, got a uhaul and began loading on XX/XX/2019. XXXX XXXX XXXX XXXX XXXX XXXX called and said there was a problem with the VA entitlement not being enough for the loan and that they will try to get it fixed but that we may have to change to USDA loan also at 100 % financing and would be approved but itbqould take another 2 to 3 weeks. Meanwhile they knew that our lease was up with our apartment on XX/XX/2019 and we either had to try to renew this late in stage or move and if we cant renew lease or get the house that we would be homeless. He said there was nothing he could do that his people messed up and didnt fully get everything done properly. So now we are out about {$500.00} for utilities and uhaul costs and we may not be able to stay at our apartment which then we will be homeless due to their mistake.
Consumer complaint received 2024-03-07
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-24
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

In XXXX/XXXX XXXX I decided to open up Southwest Airlines chase credit card since I was hearing so many good things. At the time of when I open the account there were two offers going on. I was initially signing up for the offer with XXXX bonus point for spending {$2000.00} in first 3 months and when I received my card and first statement I saw offer that applied to my account was {$200.00} statement credit with XXXX points. 

On XX/XX/XXXX I explained what happen and asked if I can get this fixed. They said they will review the account and send me a letter in next 7 days. After I received a letter stating that they can rebill my account for {$200.00} and add additional XXXX points to match the offer. 

After receiving the letter I called to let chase know of accepting the offer to rebuild my account and add the remaining balance. 

Months later I called for update for not seeing the balance points and I never got a response back. I called customer service multiple times and explained my situation and every time they stated I would get a letter in the mail. 

Today I called XX/XX/XXXX and my call was escalated to a customer service supervisor XXXX at XXXX. He stated there were letters sent I was not eligible and he will not help me. Its upsetting that he was not understanding my situation and was very rude and did not provide a good customer experience. 

I am reaching out for help. I kept explaining that the letter I received is different than what he keeps telling me. 

Please help.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

XX/XX/2019 - sent letter as to verify debt and provide proof that they can collect the debt on behalf of the original creditor. 
XX/XX/2019 - received a letter stating that LVNV has initiated a review of the inquiry. 
**never received verification or proof to collect debt** XX/XX/2019 - sent the same letter again requesting verification and proof to collect debt. 
XX/XX/2019 - received a letter with a copy of a credit card statement which doesn't confirm they are legally obligated to collect the debt on behalf of the original creditor.
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates ( PRA ) has placed a collection account on all 3 credit reports resulting in a HARD IMPACT to my credit score. PRA placed a collection account with XXXX XXXX and XXXX for {$1100.00} in XX/XX/XXXX. PRA has never provided a letter advising me of the debt or how to paid the debt within 30days before placing on my credit report. Thats a violation! I disputed this with The credit bureaus and PRA advising that I did not owe XXXX  XXXX XXXX   and asked them to verify the debt. They all responded as VERFIED AS ACCURATE AND REMAINS TO THE DAY ON MY CREDIT REPORT WHICH HAS CAUSE MY OTHER CREDIT CARDS TO BE CLOSED AND CREDIT LIMITS DECREASED. PRA & the XXXX XXXX and XXXX have violated the FDCPA, FCRA, FCBA and currently PRA IS UNDER A 5 YR SANCTION FOR FDCPA VIOLATIONS AS UNTIL XX/XX/XXXX in OHIO state. This means PRA has not changed its behaviors and continue to defraud consumers such as myself causing stress, anxiety, depression and extreme XXXX due to fighting months about a debt that WAS NOT VERIFIED, DOES NOT BELONG TO PRA BECAUSE I PAID XXXX  XXXX DIRECTLY. I currently have a open active XXXX XXXX card. They have violated my consumer rights!
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Earlier this year I filled a complaint because I am unable to open a bank account due to an unfortunate situation that happened in 2017, XXXX sent me a letter back saying that I will be able to open an account with them once I pay what was owed to them which I did this past XXXX in the amount of {$300.00}, my bank account was reopened and the fallowing week it was closed because XXXX said I was reported to XXXX XXXX XXXX by Bank Of America I called BOA and they said for me to write a letter explaining what happened so that they can remove me from all consumer Reports and update my information to XXXX  XXXX  and XXXX   so that I can open a bank account, I have continuously called BOA, XXXX and XXXX XXXX and unfortunately continue to get the run around, I just will like to restore my banking privileges so that I can have a bank account or a credit Union Account, I have provided all the information that I could and tomorrow I will try and fax a new dispute to XXXX, please assist me if you can.