davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2019-08-26
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. (TX)

I recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : EQUIFAX MORT EQUIFAX MORTGAGE SERVI 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/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX EQUIFAX MTG EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2019-08-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (MI)

I contacted this firm opp loans several times XX/XX/2019 and XX/XX/2019, as a consumer regarding the high interests rates being charged on my loan. I informed them that military spouses and familys ( my husband is XXXX XXXX ) that we are protected against high interest rates. They informed me that they needed proof to review my interest rate. They then informed me that spouse loans are not covered under the military lending act and was notified by their legal department. My current interest rate is 159 % on short term installment loan. Please assist
Consumer complaint received 2022-06-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax mailed a letter that was dated XX/XX/2022 responding that these accounts were verified as accurate. I received a phone call on XX/XX/2022 from a representative by the name of XXXX, who attested that the accounts referenced ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) could NOT be verified. I asked XXXX, how are they able to report this information, if it could not be verified. She then told me that I needed to call back and have a fraud dispute put in. At XXXX pm pst on XX/XX/2022, I contacted Equifax to make them aware of what was brought to my attention. Two representatives informed me that I needed to file an identity theft report, which was completed via the CFPB. According to the CFPB in accordance with 15 USC 1681a ( q ) ( 4 ). ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ... Multiple reports has been filed with the CFPB in regards to this fraudulent information. On XX/XX/2022, another dispute was put in, for the information not belonging to me. I spoke with a representative by the name of XXXX, who provided me with this reference number ( XXXX ) for the dispute. I asked XXXX to provided me with details of who verified these allegations. XXXX confirmed that is was a computer that did the verification and not an actual person to verify, which violates Section 603 of the FCRA on the process and method of verification to investigate the consumer report. An identity theft report for the misuse and abuse of my personal information has been filed with the FTC -- Report XXXX. I would also like to note that Equifax has confirmed that everything on my report has been verified and reported as 100 % accurate. That in fact is not true.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MD)

On XX/XX/XXXX and XXXX I worked with an agent of this company to set up the first round of payments to cure my loans from Covid related unemployment. The agent set one payment up without the cents and the company charged A loan off for XXXX when they had an open promise to pay. Thats issue 1.

2 After I made the first and sole of the next/final payments, the company then posted the accounts as open and late and have not updated now 47 days after payment to include status, paid in full, or the month and amount of payments applied. 

3. On XX/XX/XXXX this company reported the charged off loan as a 90 day delinquency when they no longer owned the debt and it was placed in 3rd party on XXXX XXXX in violation of Consumer Protection Acts and FCRA 1970. 

4. They breached section 16 of their own loan terms for processing charge offs and for reporting any debit related information in timely manners. Their actions on XXXX XXXX is a direct retaliation against my inquiry of the credit report, of them, and pointing out their own material breach making them liable for their own debt. 

5. This company continues to only respond with canned messages and deletes the content of messages that were requested left intact for future litigation. They are actively shredding records.
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COOLEY ENTERPRISES INC (TX)

XXXX XXXX is reporting the wrong information on the credit reports they have wrong information on XXXX and right information on XXXX XXXX I had an agreement with them to not be held responsible or liable for this car and no money owed and its reporting I owe money. it should be 0 money owed and not called a repo.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Department of EducationXXXX XXXX XX/XX/XXXX Department of EducationXXXX XX/XX/XXXX Department of EducationXXXX XX/XX/XXXX Department of EducationXXXX XXXX Department of EducationXXXX XX/XX/XXXX Department of EducationXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Dept of ED/ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Co XX/XX/XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/18 I requested a temp lift of my credit freeze from TransUnion. I was told to wait 15 minutes, which I did, and then called XXXX XXXX. They told me the freeze was still in effect despite the email I had from TransUnion telling me it had been lifted. 

I waited about an hour and called XXXX XXXX again. They told me the freeze had not been lifted. I called TransUnion again, giving my name, social, and DOB to someone in XXXX who told me that the freeze had not been lifted but they were doing so. 

I waited an hour and called XXXX XXXX again who told me the freeze was still in effect. I called TransUnion again, giving my name, social and DOB again to someone in XXXX who told me the freeze had been lifted, that " this happens sometimes, '' and suggested I lift it permenantly. I declined. 

I waited another hour and called XXXX XXXX again who told me the freeze was still in effect. Once again with TransUnion and this time I was scolded for requesting the freeze be lifted so many times in one day. I was advised to lift it permantely to which I declined.

This morning I checked their website and the freeze was back on. I lifted it for 2 days, waited 1 hour and called XXXX XXXX. They told me my file was still frozen.
Consumer complaint received 2018-03-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (CA)

On XX/XX/2018, I pulled my credit report and noticed that their was two collection accounts from Midwest Recovery Systems for XXXX XXXX XXXX and XXXX 1. I was never notified by this company regarding these accounts. On XX/XX/2018, I sent a Cease and Desist letter by certified mail to Midwest Recovery Systems. To date, Midwest Recovery Systems is still reporting collection activity. This is a violation of the FCRA and FDCPA. Please see attached evidence.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This complaint is related to Bank of America at XXXX XXXX XXXX XXXX, Florida XXXX this complaint is on the issues of banking errors, statements but not limited to accounts ending in # XXXX savings. and checking # XXXX complainant is requesting full disclosure of statements relating to both accounts. ANY AND ALL ATMs cards number related to both checking and savings accounts.
Consumer complaint received 2020-01-21
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. (IL)

The credit bureaus are reporting the following item inaccurately. This account has never been late. Please remove the item below pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX never late
Consumer complaint received 2022-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc. (NY)

On XXXX XXXX between XXXX XXXX  and XXXX XXXX  this number called me 6 times. No message left. I owe. I debt, everything is paid on time but yet they will not stop calling me. I finally had to put them on block through my cell phone
Consumer complaint received 2018-03-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (VA)

I have problem with Honda financial services I paid to cars from two different account first one the older is Honda crv 2012 account still open and making payment every month. The second account it's Honda accord 2016.honda financial services thay took the the from because iwas behind sixty days for my payment. They have the car since XX/XX/2018 more than a month and still the account is open and it's affecting my credit report and my credit score it's not fair please resolve this issue for me I am not able to do anything. Thank you very much for your help. XXXX XXXX
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Someone stole my identity and used my credit cards from capital one for goods without my consent or knowledge. I have been diagnosed with XXXX XXXX and was in able to protect my identity and credit cards during my XXXX treatments Capital One is making me pay for 3 credit cards that someone or company has stolen access to my personal credit cards information and used the credit cards for their personal needs. I have not used the credit card, but I have been trying to pay each month for credit cards that I have not been using
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

I did submit the complaint on XX/XX/18 and I want to follow up with it. Because I received response from PHEAA I do not agree with it because it is incorrect information. However I have document ( emails conversation ) be attached.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX orgingal creditor XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX orgingal creditor XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. 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
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine
Consumer complaint received 2021-12-06
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

XXXX fraudulently claimed that it returned an overpayment of approximately {$800.00} to XXXX XXXX. XXXX claims that no such payment was received. XXXX refuses to provide evidence to support its claims.
Consumer complaint received 2018-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (GA)

A unauthorized company, XXXX XXXX debited my PayPal account {$4.00} and {$83.00}. I noticed it right away and notified paypal. Pay pal refuses unauthorized transaction refund because they suggest the purchase is consistent with others in the account. I don't even know what this company " XXXX XXXX '' is all about.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' " {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Compensate Me {$2000.00} in total per violation as stated in 15 USC 1681N ( 1A ).
Consumer complaint received 2019-08-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DRB-40, LLC (NC)

Threatening to garnish wages, harassing and rude phone calls, threatened to sue, threatened to seize personal property, my house. Company only calls. I have not received any correspondence by mail with any details of the alleged debt.
Consumer complaint received 2023-01-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

Original complaint # XXXX WELLS FARGO responded to my initial oncomplaint listed and stated they could not reach me. Which is untrue. I've called WELLS FARGO multiple times over the past months and have been directed to multiple different employees who tell me different things. Today XX/XX/23 I was told by the VA that the FEDERAL RESERVE gave the banks discretion as to what programs I use. WELLS FARGO told me last time we spoke that the VA has discretion. I have multiple emails asking WELLS FARGO for all paperwork pertaining to my loan and have been given none. I have reached out to a lawyer seeking legal representation for this matter. My assigned home preservation specialist XXXX XXXX is unreachable. I have left numerous voicemails and emails with her and have not received a phone call from her or an email from her. It's always someone different with a different story. 

I would like everything I listed in the original complaint. 

Thank you.
Consumer complaint received 2018-03-10
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)

These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ), and I am receiving my FBI report. 


Also the account with XXXX XXXX that was an authorized user account with the terminated status and {$5900.00} limit?. I have absolutely no idea whos account that is and under the FCRA 2009 ( a ) want it removed under the nature that the ownership of the account isnt even mine..
Consumer complaint received 2021-12-06
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

Staring in the beginning of XXXX, XXXX I contacted KeyBank, NA informing that I hadn't received a Form 1098 which is needed to show the interest I paid during XXXX for the purposes of filing my tax return with the IRS. I spoke to someone who identified as in the Executive Offices of KeyBank N.A. He said he would mail it to my bill paying service address at XXXX, an address in South Dakota which is where the bill is sent every month. My home address and the home that their mortgage covers is XXXX XXXX XXXX XXXX, XXXX, NY. He also said if I wanted to get a copy quicker I could go to a bank branch but that he would see that it got mailed. I went to a KeyBank branch on XXXX XXXX in XXXX and after about 20 minutes of trying the branch manger said that the system would not allow him access to a Form 1098 on my account so that he couldn't print it.. On XX/XX/XXXX I e-mailed the KeyBank complaint web site ( copy attached ) and said I hadn't received the form. On XX/XX/XXXX my bill paying service received a mailed communication dated XX/XX/XXXX XXXX copy attached ) saying that my request " has been assigned to the appropriate team who is diligently researching this natter and will provide you a response as soon as possible. This is unacceptable to me as this institution is required to issue a Form 1098 by XX/XX/XXXX XXXX
Consumer complaint received 2021-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc. (CA)

Advance America has been calling and harrassing me for months. They are looking for a person named XXXX XXXX. I've never met this person and am the sole user of the phone I have. I have never dealt with Advance America and have no outstanding debts of any kind. 

I have to keep blocking all the different numbers they are calling from. I called them several times to inform them the number doesn't belong to XXXX XXXX. On XX/XX/XXXX I called and a woman said she had removed my number from their system. After more calls on XX/XX/XXXX, I called again and a woman with a terrible attitude said the removal process takes 72 hours. That was obviously a lie  since I got another call today, XX/XX/XXXX. 

They've been clearly informed that XXXX XXXX is not attached to my phone number and have ignored this fact in continuing to harrass me.