davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
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. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no knowledge of these accounts or applying to these accounts. 

Dear XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Transunion 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 2023-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NE)

Hi I lived at XXXX XXXX I got evicted .at first I didn't know about the Fair collection and outsourcing they did not send me a letter. it was on my credit report. I filed a complaint with you the F.C.P.B after you guys investigated it I received a letter from Fair collection and outsourcing.when I went to court I got the paperwork of from the court. satisfaction of judgment paperwork I would like to get this taken care of and off my 3 credit reports immediately
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

I was selling my daughters dance costume over XXXX for {$200.00} I was contacted on XX/XX/22 from someone asking to purchase via Zelle. Information sent for her to send to send money to and I did received some type of email confirmation that payment had been sent then on XX/XX/22 Received an email that my account can not receive payment due to low limit and and buyer needed to send me {$800.00} To increase the limit on my Zelle account and to refund the {$800.00} to the buyer which was done, received message on XX/XX/22 That server had updated overnight and buyers account had been double charged the {$800.00} and to send another refund and that all purchases and money transferred would be held into an account Until all checks and balances made and then would be redistributed received another message on XX/XX/22 That an XXXX Fee of {$2000.00} had been Applied and the buyer would need to pay this and I reimburse the buyer I have copies of all emails and pictures of account transfers from said buyer, I then received another email on XX/XX/22 In regards that everything was almost settled but another fee had been applied a {$1500.00} and that the The buyer we need to pay this and be refunded I have not made any transaction in regards to this {$1500.00}
Consumer complaint received 2022-06-13
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. (MD)

In accordance with the Fair Credit Reporting Act- Experian, XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602.1 states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.
Consumer complaint received 2022-06-13
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. (MD)

In accordance with the Fair Credit Reporting Act- XXXX, Eqiufax and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602.1 states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.
Consumer complaint received 2022-10-20
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. (CA)

When I reinvestigated my credit report, I realized that some of the accounts were still present. The 3 credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2022-02-02
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. (NJ)

My name is XXXX XXXX, and I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges also did not authorized these inquiry requests mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

Month after month I loose connection between XXXX and my Checking account. Past 3 months I have to call in 3-4 times make complaints about it not working and a week later its suddenly working. Its horrible to not be able to use the function. I have made several calls during XX/XX/XXXX when it was not working then it was working. It failed in XX/XX/XXXX I called then TD fixed it after several calls. In XX/XX/XXXX it failed I called several times then TD fixed it. And here we are in XX/XX/2018 several calls and its still not working, ,.. This is ashamed the tech support department runs me around like crazy talking to people who have no idea. No personal attention or real technical knowledge is ever involved..
Consumer complaint received 2018-04-20
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. (FL)

I have had the same student Loan for over 23 years. It is was through XXXX XXXX and now is with Navient. 

The original loan amount was for {$16000.00}. Since being sold to Navient my loan is now at ove {$30000.00} due to Navients fees and interest during an ongoing reduced payment plan which started roughly 4 years ago. 

When they put me on this new payment plan,. at no time was it explained to me that the adjusted payment wasn't even covering my interest ... not even by half! Now they have tacked on over {$10000.00} to my original loan and are telling me my adjusted payment iwill be in the {$300.00} 's per month which I can't afford. 

Either way I feel their lack of disclosure is predatory and I will be paying on these loans for decades to come. 

Doesn't seem right, Regards XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I contacted Bank of America regarding interest rate changes to my credit card account XXXX ( Case # XXXX Rep XXXX ). The credit card account was opened in XX/XX/XXXX as a new Bank of America employee. The Credit Card Agreement indicates the initial interest rate was 8.24 % Standard Rate. Bank of America advised there was an interest rate change of 8.49 % on XX/XX/XXXX ; 9.24 % on XX/XX/XXXX and 9.49 % on XX/XX/XXXX. However, Bank of America did not to send a 45-day Notice advising of any of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XXXX. Although the CARD Act Notices were never received, Bank of America insists the notices were sent accordingly. On XX/XX/XXXX I requested copies of the Change of Interest Rate Disclosures, but as of this date the letters have not been received. It also appears Bank of America changed the interest rate from a Standard ( Fixed ) Rate to a Variable Interest Rate and has assessed the changed interest rates to existing purchase balances with no Disclosure Notice of the changes. In addition, upon separation ( due to lay-off ) from Bank of America effective XX/XX/XXXX the terms of the Severance Agreement specify existing interest rates on credit cards will not change based on the change of your employment status. Bank of America is in violation of the CARD Act of XXXX and the Severance Agreement.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (CA)

We currently have a 15 yr FHA loan with Loandepot. We started a refi to a 15 yr conventional loan to remove the MPI. We finally signed loan docs on XXXX XXXX, 2015 and was supposed to fund by XXXX XXXX. We were told not to make our XXXX payment. To date, it has still not funded. I instructed them not to do an appraisal unless the loan was fully approved. An appraisal was done in which we paid {$390.00}. I finally made my mortgage payment as not to be in a 30 day late status with the credit agency. I have spoke to our loan officer as well as his manager and still can not get an answer. They have held us up from refinancing our loan with any other lender because we would have to pay out of pocket again for another appraisal. Also, we would not be able to get the interest rate ( 3.25 % ) which is what the interest rate was at the time we started our refi. I have never heard or experienced this action. I always assumed once loans docs were signed and notarized that the loan would fund by the date indicated. What can we do at this point?
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I had my auto insurance and renters insurance paid directly from my checking account. Beginning month of XX/XX/2022 both account we're paid by my bank. I was able to see bill was paid on both sides. After that my auto insurance payment went back into my checking account. Then on XX/XX/2022 I had a pre-authorization charge for XXXX rental car for {$1200.00}. The ticket was closed out and the amount owed was a little over {$1400.00} a few. My account was of course charge that amount which put me in the negative of {$1400.00}. Now there's a {$1300.00} dispute I have with a merchant that refuses to respond to me and refuses to respond to me or my bank. Was looking under the app of that merchants in noticed today that I I'm at a zero balance and not seeing money in my bank account, why? Also my bank doesn't even have record of some of these transactions and isn't able to give me any answers to my questions.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 computer science, 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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/year>
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AZ)

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, AFNI is engaging in said violations of latter federal statutes. AFNI did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. I am enclosing a copy of my account with XXXX and it shows no past due balance, and this collection company is attempting to collect on a debt that does not exist. I am a customer in good standing with XXXX and do not owe any money. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Consumer complaint received 2022-07-21
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2019-03-21
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. (NM)

Filed a dispute with Equifax in XX/XX/XXXX about a XXXX account on my credit file that does not belong there. Received no notification on the status of my dispute. When I checked my free annual reports I still see it listed on Equifax in XXXX! I open another dispute with Equifax ( which they call a re-investigation now ) on  XX/XX/XXXX and according to my report number they concluded their reinvestigation on XX/XX/XXXX ( no notification again ) and the item was not removed! Equifax states : The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX Corporate XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX This item DOES NOT belong to me as I have NEVER had any account with XXXX. I want to know what verification Equifax received to verify the account and validity to make such a hasty decision. 
Additionally, the comments look like this is an old zombie debt from the DISCHARGED bankruptcy filed in XXXX! If this is the case, adding a discharged debt is HIGHLY ILLEGAL! 
Equifax needs to remove this item from my credit report promptly.
Consumer complaint received 2022-07-21
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2022-07-21
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. (NJ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Experian Credit Reports : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$3600.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$860.00}