davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 

please see attached all the letters sent to this company and proof of my identity
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My accurate address is : XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AR)

My student loans with Navient have been charging increased interest while decreasing my principal payment. This is despite the hiatus for interest that has been identified by the federal government. I have continued to pay an increase amount every month. I am attaching a copy of the account history provided by Navient.
Consumer complaint received 2020-11-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (NY)

The account in question in discussion is Ford Motor Credit the issue at hand is a late reporting in XX/XX/2020 XX/XX/2020. In XXXX I got very ill with Covid-19 I was unable to make the payment since I was to unwell. Once I was well enough to make the payment I did make the payment immediately.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This has been an ongoing dispute since XXXX where XXXX XXXX has attempted to defraud me out of money. They not only refuse to provide any documentation that any money is owed, but Equifax refuses to provide any documentation as well. The disputed issue is now 7 years old and is required by law to be removed from my credit report. To stop the removal the date of the dispute has been fraudulently changed by Equifax to XXXX. Both other credit bureaus have removed the fraudulent information. 
Your bureau has investigated this before and had it removed, as you found there was no basis for XXXX Claim. I an asking it to be removed again for like the 3rd or forth time. This is clearly a violation of the Fair Credit Act!
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

There is a glitch in my credit file at XXXX. When I applied at the bank I got a denial letter. It was stating that I had a lot of negative items on my credit report, They only use XXXX and penfed does not pull XXXX or XXXX. My score is down to XXXX. I do not have any negative information in my XXXX credit report.but when i run my application on the compurter and penfed is processing my application it ends up pulling more items on my credit report that is not mines. I even got a case number from one of the XXXX guys. He told me I should hear something in three days This is the ticket and case number. XXXX. I've been hung up on. I've been reaching out to XXXX for the last couple of years. Its not fair to have my life on hold because XXXX will not get to the bottom of my concerns. it against the law to have my file not properly working? Not keeping up with the accuracy of my records? XXXX should be making sure that everybody records are accurate as possible. I have called over a 100 times through out the years. Its not my fault XXXX cant fix the glitch in my file.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

There is a glitch in my credit file at Equifax. When I applied at the bank I got a denial letter. It was stating that I had a lot of negative items on my credit report, They only use equifax and penfed does not pull XXXX or XXXX. My score is down to XXXX. I do not have any negative information in my Equifax credit report.but when i run my application on the compurter and penfed is processing my application it ends up pulling more items on my credit report that is not mines. I even got a case number from one of the Equifax guys. He told me I should hear something in three days This is the ticket and case number. XXXX. I've been hung up on. I've been reaching out to equifax for the last couple of years. Its not fair to have my life on hold because equifax will not get to the bottom of my concerns. it against the law to have my file not properly working? Not keeping up with the accuracy of my records? Equifax should be making sure that everybody records are accurate as possible. I have called over a 100 times through out the years. Its not my fault equifax cant fix the glitch in my file.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020, I disputed items on my Transunion credit report ( see attached letters and certified receipts ). On XX/XX/2020, I received dispute results from Transunion. Two items were deleted as requested, a phone number was added, a address remained, and information was updated. However, Transunion did not provide me with their method of verification as requested on XX/XX/2020. On XX/XX/2020, I sent another letter demanding to see verifiable proof with my signature on it ( see attached proof ). Under FCRA 611 ( a ) ( 7 ), Transunion was suppose to provide me a description of the procedure used by there agency in providing all information to the creditor associated with my earlier dispute on XX/XX/2020 in which Transunion failed to do. Based on FCRA 611 ( a ) ( 2 ) ( B ), Transunion were required to forward all of the relevant information I provided by them to the creditor for their investigation of my dispute. On XX/XX/2020, Transunion wrote a letter stating they have verified the information through the data furnisher, but failed to disclosed who the data furnisher was as requested initially on XX/XX/2020. I have yet to hear from them regarding the other disputes in question.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX has an account opened on my credit report in the Amount of {$840.00}. I dont know this company and dont know why they have my information or what this is. The account was opened on XX/XX/2016.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am submitting this Complaint to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiry in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, XXXX is required by the FCRA to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : 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 XXXXXX/XX/XXXX. The FCRA requires the Credit Reporting Agencies to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the inquiries. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.
Consumer complaint received 2021-02-16
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. (CA)

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am having an issue to the three major credit report agency with regards to the issue of my SSN being blocked by XXXX. Can be possible to dig deeper when investigating the said agency. From the people, company till the network provider, network system and security, same as who runs the business. Sorry for all my demands. Being a victim of identity theft. Same thing with the Chex System of XXXX XXXX XXXX XXXX.i
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

On or about XX/XX/2022, a check that we wrote was fraudulently altered and cashed by Wells Fargo. Our bank, XXXX XXXX, opened a case and we filed an affidavit the day we discovered the fraud. Wells Fargo had contacted us by phone ( left message ) and by email the same week of XX/XX/ 2022, to let us know that they suspected check fraud happened. They somehow still cashed the check by the time we responded to them and now we can't seem to get our money back. It is clear to us that Wells Fargo suspected the fraud and yet cashed the check anyway. Our bank, XXXX XXXX, has contacted Wells Fargo multiple times and they have not responded, to the best of our knowledge. 

XXXXXXXX XXXX case number : XXXX Check amount : {$18000.00} Cashed on XXXX, XXXX, 2022
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have been having banking, and credit card issue with Bank of America. I have spent hours on the phone correcting their error and they continue to Harass and cause me hours upon hours of phone calls to them just to find out a Bank of America employee has been doing the damage to my account etc. 

They took it upon themselves to say my credit card was in fraud status. Yet it was confirmed last month per my phone call that I made the transaction according to the BOA employee I spoke with. Yet again another credit card was sent out because of their internal disgruntled employee employed at BOA causing me time and harassment. 
This has been now for well over a month of phone calls to BOA to correct their errors and yet again, I attached a letter to indicate what has been going on since the US government does not do anything about consumer fraud and harassment to its US citizens. 

This should be brought to the XXXX 's attention as they tamper with banking security along with customer fraud. 

XX/XX/2023 XXXX XXXX XXXX Fee View/Edit Bank Charge XXXX {$3.00} This is the most active US consumer fraud and harassment I am experiencing. 
This is BOA deceptive practices and fraud to the elderly to start.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The current class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. I have also filed a complaint with my states attorney general in regards to the settlement. I originally requested relief in XX/XX/XXXX but didnt receive.
Consumer complaint received 2023-06-13
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I first wrote to Experian regarding items on my credit ( see attached certified receipts attached and proof of writing ). On XX/XX/2020, 3 different dispute results were mailed but nothing was completed as Experian stated. The only thing the results showed was 1 pending result, but no completion or proof to verify the accounts are mine as requested. On XX/XX/2020, Experian sent another dispute result but again, nothing was completed. All it showed was a pending transaction with no completion or proof to verify the accounts are mine as requested. On XX/XX/2020, Experian sent dispute results stating the dispute was completed but it wasn't, all it stated was 1 account being updated. 

On XX/XX/2020, Experian sent a letter stating the dispute was completed, which again it wasn't, the only thing it stated was 1 account remaining and 4 other accounts pending, so again, no dispute completed or information proving the accounts are mine. On XX/XX/2020, Experian sent 2 more dispute results stating the dispute was completed but again, it wasn't complete. The only thing it stated was accounts being updated and 1 account deleted after I asked Experian to verify the accounts were mine, in which they failed to do. 

On XX/XX/2020 ( dated XX/XX/2020 ), I mailed a method of verification letter asking to again ( because it was after 30 days ), to show me verifiable proof with my signature on it in which they failed to do and to send me a descriptive procedure of the method used to verify accounts and to delete the accounts if they couldn't verify it was mine in which they failed to do so ( see proof of letter and Express mail receipt with signature showing letter was received ). Still, Experian failed to provide adequate proof verifying the accounts belong to me other than sending a updated credit report. Experian has also failed to respond in 30 days with a completed and thorough investigation upon request. On XX/XX/2020, I wrote Experian demanding to see verifiable proof with the original contract because I have not yet seen proof of any of the requested information I initially asked for XX/XX/2020 which is very unprofessional ( see attached ). 

Experian sent a final letter stating they will no longer reinvestigate my information, but Experian has not only failed to respond TO ALL the disputed items within 30 days, but also failed to respond verifying the accounts belong to me as requested.
Consumer complaint received 2020-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation (TX)

On XX/XX/2020 Regional Finance opened an account with someone who stole my information. This company did not verify the driver license number with an actual id. They just let them write down the driver license number and did not verify any other information when opening this account. The information was already on the pre approved information letter that they mailed out. So this personal information was given to the person who stole my information and used it to open an account. I have disputed the information with the company who has told me sorry there is nothing they can do even though I have showed them my id and showed it was not even the address that they mailed the information to or anything else matching, like phone or email. No other information was provided to this company to verify the identity.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I tried to find my flight information with XXXX XXXX. I could not find any recent emails from them within the past year. I called customer service, found my flight ad was given my log in information. Upon logging in, I discovered I had XXXX expired flight miles. I was asked to pay for the reinstatement of the flight miles. While on the phone wit the customer service person, XXXX XXXX informed me the way I could reinstate my miles were 1 ) to pay {$500.00} dollar 2 ) to find information for a flight taken in XXXX ( I did not fly XXXX  in XXXX ), and 3 ) to sign up for the XXXX XXXX by Citibank. I was told if I signed up for the card, spend {$3000.00} in three months I would receive my points reinstate upon approval of the card and receive the XXXX bonus miles at the end of the 3 months. I applied for the card, was approved and later today checked to see my points balance was still XXXX and my points had not been reinstated. I reached out to customer service where I spoke via chat with XXXX. She informed me I had been misinformed and the credit card is in no way tied to my reinstatement of points. To be clear, I spoke with XXXX for over 30 minutes. I went through very carefully to make sure that my points would be reinstated as she claimed. I asked every question and had been given detailed answers. XXXX informed I would have to sign up for a loyalty point challenge or pay for my miles to be reinstated. I now have a credit card with an annual fee I don't want and still not the miles I had previously earned.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

I opened my Lowes credit card in XXXX. Since then I have charged and paid it off multiple times. With in the last year they increased my limit to XXXX. I charged and paid it off. They decreased my limit 2-3 in the last 6 months. I paid it off again in XX/XX/XXXX. They decreased my limit down to {$180.00} ... stating they checked my credit and its because of my score. My credit score is the same as it has been since Ive had the card. I just requested an increase back to XXXX and they denied it. I have 100 % on time payments on my credit report. I find that their constant credit checks multiple times a year to be intrusive. Also raising someones credit limit then when they pay it off to lower it is also hindering someones credit score. I dont feel what they are doing is legal nor right. I want this looked into. How many times a year can a credit card company lower and raise a limit? How many times are they allowed to check your credit in a year? If a customer is paying their bill and the limit never carries long then why would you treat them in this manner? They already charge extremely high interest ....