davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have sent 4 disputes to Equifax to their mailing address of XXXX XXXX XXXX XXXX, GA XXXX on the dates of XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. The accounts that were disputed were XXXX XXXX for {$130.00}, XXXX XXXX XXXX XXXX for {$9700.00}, XXXX XXXX XXXX XXXX for {$10000.00}, XXXX XXXX XXXX for {$210.00}, XXXX XXXX XXXX for {$120.00}, no named account on the report for {$280.00}, no named account on the report for {$50.00}, no named account on the report for {$200.00}, No named account on the report for {$260.00} and a no named account on the report for {$62.00}. I have not received one response to any of these disputes and Equifax is refusing to delete the disputed accounts despite their violation of my rights under the FCRA.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (TX)

The Three Major Credit Reporting Agencies have for many years published inaccurate information on my credit report. There are 7 seven separate Department Of EducationXXXX XXXX student loans that are reporting errors filled information. I have never been late on my student loans, and in spite of a perfect payment history- Experian/ XXXX XXXX all report a " 90 day late '' which they are saying has been " validated '' with the lender. This is an impossibility, because how can I have a " paid as agrees '' in XXXX of XXXX followed by a " 90 day late '' and after that " paid as agrees ''? This makes no logical sense. I need the bureaus to update this derogatory mark " paid as agrees '' or " No Data ''. I can not have my financial wellbeing be impacted due to their errors. 

Also, I have a recent derogatory mark from " XXXX XXXX ''. I have my last bill before I terminated service and what the bureaus have published is absolutely false! I even went as far as sending in via USPS ( certified ) a copy of the bill in question. Unfortunately and unlawfully, they have indicated that the negative mark has some how been validated. I need this removed ASAP. 

XXXX and XXXX are inaccurately reporting a " XXXX '' account from XXXX, they are claiming that the account has been charged off. I do not have a recollection of association with this account. 

XXXX is reporting that I have two requests for credit from a company called " XXXX XXXX ''. I do not recall doing business with the company and want to have it validated
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ghidotti | Berger LLP (FL)

XXXX XXXX, California hired attorneys of XXXX XXXX to file liens and foreclosure on my property under fictitious loan scheme of over XXXX, as in {$300000.00} loans fraud schemes using my deeded property for loans that I did not know about, had my authority or collected in any manner. The orders from CFPB have been filed repeatedly and ignored, which is aggravated contempt of court, after the fact and accessory plus organized racketeering for financial benefits. US BANKS is claiming to be the Plaintiff, and this is misrepresentation using the courts as an active enterprise to gain benefit from the fraudulent malpractices. 

Using licensed authorities to facilitate aggravated identity theft is beyond reprehensible and I seek aggravated monetary relief and restitution plus damages of the willful and calculated intimidations. 

I contacted XXXX and they hung up on me many times for weeks and US Banks hung up on me and I filed reports with supervisors but they disconnected calls also. 

I do not feel that the stipulated agreements and injunctions that CFPB will be sufficient because I have been victimized by same perpetrators aiding banks for no less than a decade and I kept filing complaints with so much retaliation that squatters used my identity and I know that there is probably many more fictitious loans. 

The CFPB entered into a Consent Order with XXXX XXXX XXXX XXXX over allegations that XXXX XXXX pressured and incentivized its employees to open unauthorized accounts, in violation of the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. 
According to the CFPB, from XXXX through XXXX, XXXX XXXX  allegedly imposed sales pressure and sales goals as part of bank employees job requirements, leading employees to use consumers credit reports and sensitive personal data to apply for and open deposit accounts, credit cards, and credit lines without consumers knowledge or consent. Affected consumers were charged fees on unauthorized accounts; suffered negative impacts to their credit profiles; lost control over personal identifying information ; and expended time and effort investigating, seeking closure of unwanted accounts, and monitoring and mitigating harm. 
Under the terms of the Consent Order, XXXXXXXX XXXX will pay a {$37.00} XXXX penalty and must remediate all harmed customers for unlawfully charged fees and costs, implement policies to prevent future violations of applicable law, and refrain from future violations, among other things.
Consumer complaint received 2022-09-16
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. (NY)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-16
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: JPMORGAN CHASE & CO. (PA)

XX/XX/13 I applied twice for a Chase Bank Disney card. After receiving an error it stated that my account was frozen from XXXX. I had also applied for an XXXX XXXX  XXXX  around the same time, unknowingly I also was blocked due to the freeze. 

I was able to unfreeze my credit report with XXXX and spoke with Chase bank. They asked me which inquiry to approve, on a recorded line I stated my initial application is the one I wanted submitted. 

Chase bank approved multiple HARD credit inquiries without my consent and it has damaged my credit. I have worked very hard to get my credit to where it is at. I also do not have a history of delinquency that isnt more than 7 years old. 

I really would like these inquiries from Chase bank removed and if possible the XXXX XXXX XXXX inquiry. Thank you
Consumer complaint received 2019-09-17
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: VW Credit, Inc (MA)

Hello, My name is XXXX XXXX. I have fallen victim, through no fault of my own, to the XXXX breach, and several other personal information breaches over the past decade. Resulting from this, there was an auto loan, or lease that was opened by an identity thief with Volkswagen Credit, using my credentials, and social security number, and defaulted upon. I have done everything in my power, since learning of the theft, more than a year ago, to get the creditor, Volkswagen Credit, to remove the fraudulently opened account from credit reporting. I have filed a report with the FTC, and also with my local police station, XXXX Police, here in XXXX, Massachusetts. I work at XXXX XXXX XXXX, in the XXXX XXXX sector, and the financial ramifications of this fraudulent credit reporting has destroyed not only my credit, but my ability to attain another job in the financial services sector. Further, I am an XXXX XXXX at XXXX College, pursuing an XXXX degree, and am unable to take out a federal student loan, as a result of this fraudulent reporting. 

The only information that shows up on my credit report about the fraudulently opened account is that it ends in XXXX, and the account status is listed as " CHARGE-OFF '', amount {$10000.00}, contact information is listed as, " VW CREDIT XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX ''. I have attempted to call that phone number, and it is not a working number. 

Please help me, I beg you. I have tried everything. I am happy to provide the police report to yourself and FTC report filed. This has gone far enough, I can not obtain financing to pay my student bill as a result. I can be reached on my mobile phone at ( XXXX ) XXXX, or via e-mail, at XXXX. If I miss your call, please leave a message. 

Thank you ever so much for your assistance, and attention to this very important, and pressing matter, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-04-03
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for investigation of a XXXX 's XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2019-04-03
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 recently submitted a request for investigation of a XXXX XXXX XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2022-03-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Regarding existing disputes filed with CFPB : # XXXX - XXXX # XXXX - Experian Both companies have suggested I contact them via their toll-free numbers. 
This is a joke. 

I have searched the internet for any number that will allow me to speak to a person. I only get an automated voice that verifies my identity 100,000 times and wants to help me, by stating " is this a general question about credit, if yes, press 1 '' if you do they give you a list of items that have nothing to do with your issue. If you do not choose one, they end the call. If you do, you answer no to the questions and say representative, over and over, it says " I can only connect you with a representative under certain specific circumstances '' then back to zero, start again. 

My files on this fraudulent bankruptcy include deletions from XXXX the third-party provider of information to the CRAs on Public Records , a statement from the Bankruptcy Court that they do not verify anything to the CRAs, and that I should look at the information on credit repair contained in the FCRA. 

My file is over 400 pages, including a recent letter from XXXX to verify my identity! 
They have received copies of my license, ss card, leases, etc. dozens of times. If they can not identify me, why are they publishing damaging fraudulent credit information? Especially since this all occurred from their data breach which the settlement administrator is preparing to pay me the maximin cash amount of a paltry {$20000.00}, which I feel I should decline and am inclined to allow my law firm to open a class action suit on the class action suit and settlement, but that would hurt many people who have already paid over and over. Then I said, " why not let the CFPB help me, as they have many times before, and they are getting a significant amount of money from the XXXX breach. '' So here is my complaint. 
I want a phone number where I can reach a human at XXXX and Experian and I would like to know how I can opt out, as I have done with XXXX XXXX, permanently from the CRAs, I do not need them. 
Thank you XXXX XXXX Oh, I am vision impaired, making it a chore, one I gladly do, to read the pointless letters I receive from the CRAs.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

Hello. I was the victim of tax related identity theft in the year XXXX. Someone used the XXXX tax year to file a fraudulent tax return in my name, and they changed the banking information I had on file with the IRS from my bank, Bank Mobile Vibe ( now XXXX ) to XXXX XXXX XXXX. As a result, the first Economic Impact Payment of {$1200.00} was deposited into XXXX instead of XXXX. 

After more than three years of getting the run around from the IRS and XXXX, yesterday I received a check in the mail in the amount of {$1200.00} from XXXX XXXX XXXX as compensation for the stolen EIP. 

However, when I tried to deposit it into my Bank Mobile account by remote check capture, XXXX rejected the check. The stated reason was, " we have reason to believe the check is uncollectible. '' But beyond that " reason '' they did not provide a " reason '' they believe the check is uncollectible. Do they know something about XXXX that I don't? Has XXXX filed for bankruptcy and Bank Mobile " believes '' the check will not clear? 

I am under the impression this is a compliance violation. Now I must go the entire week end being left in the dark about funds I urgently need. I have met with considerable difficulty and resistance just getting the check. It has been such an abusive experience treating me like I am supposed to live without money, as if I can spin gold out of straw, to have my needs go unmet, obtusely, and abusively, by the financial services industry. 

I will attach a copy of the check and letter from XXXX XXXX XXXX.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (FL)

Within the last month, I have accrued over {$430.00} in overdraft fees with Regions Bank. I am aware of the overdraft protection act and what it limits banks to regarding overdraft protection fees. I am also aware that Regions bank is under investigation due to this same issue, owed to payback most of the excessive overdraft fees. The act states that no more than one overdraft coverage fee per month and six per year, per account, by the terms of the proposed bank overdraft fees law. 
The fees I was charged include XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$36.00}, XX/XX/XXXX for $ XXXX for {$72.00}. 
I approached Regions bank and they told me they were only able to refund 'maybe ' {$72.00} back. Once I brought up the over protection act, they told me that they were able to charge up to {$100.00} in overdraft fees per month. Even with that, they wouldn't return more than {$72.00} of fees back to me. 
I have multiple accounts with them that have money in them, and I haven't been charged an overdraft fee with them on this account before this month. The {$430.00} is more than the charges on my account.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX CREDIT AGENCIES REPORTING ACCOUNTS " NOT MINE '' / OUTDATED REPORTING PAST 7YRS SINCE 2008 ... .. PUBLIC RECORDS/BANKRUPTCY AND XXXX LIEN, XXXX AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW FILE
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security
Consumer complaint received 2019-04-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2019, I submitted a dispute with Equifax. There are three creditors currently reporting late payments. The investigation has not been completed, as of XX/XX/2019. I spoke to XXXX at XXXX. I explained to XXXX that I am aware of the law and he acknowledged. The creditor has exhausted their time to investigate and respond to the dispute. XXXX refused to update the credit file by removing the incorrect information. XXXX acknowledged we are on a recorded line. XXXX has confirmed creditor states there are no late payments. I'm inputting this complaint with him on the phone. XXXX also stated no one will be able to update file and told me to contact the creditor. I've been on the line with XXXX now XXXX hour XXXX minutes. The time is XXXX central time. 

I am requesting these entries be removed and an updated copy of my credit file be forwarded to me via U S mail.