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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo account re-aged ; XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX, XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX. I've disputed the accuracy with credit reporting agencies with no success. I have attached copies of credit reports for both years.
Consumer complaint received 2018-05-11
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. (FL)

After sending information to verify myself ( see attachment ) with my disputes, as of XX/XX/XXXX & XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX A XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the " VERIFIED ORIGIN '' that is reporting this negative.
Consumer complaint received 2022-03-03
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. (PA)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MA)

I opened a business checking account online, and now I want to close it. TD Bank is telling me I have to go to a branch to close it, which is very inconvenient. The account has {$0.00} in it, but TD Bank is planning to charge me {$25.00} a month in fees for an account I have asked them to close.
Consumer complaint received 2021-10-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I had my personal checking, savings, auto and home insurance with USAA. MY grandfather was a original charter member of USAA as well. Not only was my checking account effected by forgery by a family member. My trust account for XXXX was completely stolen by a forged fax? Really. Not even 1 phone call from bank to do any verification. The money has a digital footprint to the person who stole it as they put it electronically into there bank account. I have tried and tried to work with USAA, and they just ignore me while they con
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (PA)

I received a letter from XXXX dated XX/XX/XXXX Indicating that I had an outstanding Velocity Investments LLC debt of nearly {$8000.00} going back to XXXX of XXXX. I responded that this is not my debt. I have never dealt with Velocity Investments, nor with The XXXX XXXX. 
I then received a letter from XXXX dated XX/XX/XXXX asking me to complete a notarized affidavit outlining all of my personal and private information. This affidavit boldly stated on each page not to notify the FTC or any other government agency. 
I called them to tell them I would not offer any personal or private information and that I would file a complaint with the FTC. I also indicated that I would consider having the information reviewed by my lawyer. 
I believe this to be a scam.
Consumer complaint received 2021-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CT)

To whom it may concern, I am writing to complain citi bank 's extremely sloppy action regarding dealing with customers 's service. My checking account underwent a fraudulent activity in which my whole money around XXXX USD was stolen and transferred to another unknown debit card in XX/XX/XXXX. Because of this, the bank closed my account without any notice. I immediately called the customer service to report this fraudulent activity and was told that I will receive the original amount of money within 60 days via check. During the six days, I constantly checked with the customer service and got the same answer. Besides, I was advised to open a new checking account and they will deposit my funds to the new account. Within this period, I only received one letter from the bank stating that the money transfer did not go through without stating anything about my funds. After more than 3 months, I did not hear anything. I called the customer service everyday and received the same answer there was not any information related to my account. And one representative suggested me visiting one branch. I visited one branch in XX/XX/XXXX, the banker asked me to follow up in 24 or 48 hours. But I emailed and called the banker without any response. I just want to report citi ' extremely irresponsible service.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Equifax credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.
Consumer complaint received 2022-03-03
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-03
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-23
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. (FL)

XXXX is reporting a 90 day late payment in XX/XX/XXXX. My student loans were and have been in income based payments during the time with a payment of {$0.00}. To make matters worse, although XXXX accepts payment as one loan, it is reported as 5 different loans, therefore all 5 show late payments. I have requested that they remove the reporting of the late payment ( since I can not possibly be late on a {$0.00} payment ) to no avail. 

I have also disputed the information with the credit reporting agencies without success. 

Interestingly, XXXX has mailed information to an address that I lived at from XXXX XXXX XXXX in Michigan. I did not give them the address and I did not even attend college until XXXX. I have not lived in Michigan since XX/XX/XXXX, nor provided that address to any company or individual since that time.
Consumer complaint received 2016-06-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

Under federal law, I could hire an attorney to sue them at no cost to me and ask for {$1000.00} in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I get an account with my credit report who still show open but was paid and supposed to be closed. I want all XXXX credits bureaus to make sure this account show paid in full and closed it 's under a tax lien who was released XXXX, XXXX, 2014.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

My landlord took me to court for non payment of rent and late fees to evict me. I went to court and testified that he refused to fix my cooking stove as the reason why I had not paid the rent. I was ordered by the judge to pay back rent and all late fees assessed. the eviction was withdrawn and all back rent and fees were paid. Eight months later when lease renewal came landlord asked me if I would like to move. I said yes and did so because he was refusing to repair AC. I have discovered that he has submitted to my credit report that he evicted me and I owe him money. which is not so..
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I did not file for bankruptcy. I went on to XXXX and got the documents that was filed and it does n't have my name nor does it have my correct address. This is not mine. They keep verifying that this is mine but it 's not mine.
Consumer complaint received 2020-06-05
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$650.00} XXXX {$3500.00} XXXX {$4000.00} XXXX {$1900.00} XXXX {$450.00} XXXX {$650.00} XXXX {$6000.00}
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (WA)

XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The most recent investigation from Experian and XXXX to remove inaccurate account is showing again the same issue of reporting information hurting my credit score with information from the same furnisher. 
I have the letter from Experian and XXXX that clearly show the inaccurate information and this account must be deleted from my credit reporr. 
The Experian own investigation show the same issue over and over. 
I will attach the document sent to me by Experian dated XX/XX/2018. And copy of data from the XXXX web page. previously I contacted Experian and XXXX with ceritfied mail and notarized letter but simply ignore my request and verify their own mistake. 
XXXX XXXX bank account appear as charge off with a monthly balance, inaccuate high balance, inaccurate open date, .. Same furnisher and not accurate information from Experian Vs XXXX.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is reporting a 90 day late payment in XX/XX/XXXX. My student loans were and have been in income based payments during the time with a payment of {$0.00}. To make matters worse, although XXXX accepts payment as one loan, it is reported as 5 different loans, therefore all 5 show late payments. I have requested that they remove the reporting of the late payment ( since I can not possibly be late on a {$0.00} payment ) to no avail. 

I have also disputed the information with the credit reporting agencies without success. 

Interestingly, XXXX has mailed information to an address that I lived at from XXXX  XXXX-XXXX  XXXX  in Michigan. I did not give them the address and I did not even attend college until XXXX. I have not lived in Michigan since XX/XX/XXXX, nor provided that address to any company or individual since that time.
Consumer complaint received 2022-03-03
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. (PA)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XX/XX/2021
Consumer complaint received 2022-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I have contacted USAA on several occasions to send me my money that is in an account of my mother with my name. She passed away on XX/XX/22. My mom 's name is XXXX XXXX XXXX, my name is XXXX XXXX XXXX. I have been told on several occasions that my check is in the mail. Today I called USAA 3 times, the first two times I was told to hang up and call again. I was told last week that the check will be mailed on XX/XX/22. Today XX/XX/22 I was told they have not mailed my check and will be checking into it. Please help me.
Consumer complaint received 2022-03-03
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. (CA)

TransUnion added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file with out my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Trans Union is reporting in accurate information on my credit file.
Consumer complaint received 2021-06-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I submitted request to XXXX, Experian, And XXXX  to dispute a late payment for the month of XX/XX/XXXX for my XXXX XXXX account. I submitted my dispute letters on XX/XX/XXXX and a follow-up letter on XX/XX/XXXX. I have yet to hear back from either of these companies with the result from my investigation.