davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) 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 ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted request to all XXXX, XXXX, and Transunion regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Consumer complaint received 2019-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skopos Financial, LLC (GA)

I was a cosigner on an auto loan with my ex wife and we divorced and it was stated in the divorce decree that she will take up the payments and be responsible for the auto loan. I remarried and applied for a mortgage loan and was notified that I had a repossession on my report from that auto loan. I called the auto loan company and asked them what i could do because I could not have that on my credit. I asked for the car back and they notified me that the cal was sold but not once did I receive mail or any call informing me about the repossession of the vehicle.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( XXXX ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: F.H. Cann & Associates, Inc. (IN)

I consolidated my only two existing student loans, in the amounts of {$4000.00} and {$3500.00}, respectively. This amount was paid in full shortly after by credit card. I have the credit card number. The account was held by my mother, now deceased. 

However, the Department of Education and their collections agency, FH Canns & Associates are reporting that I owe {$26000.00}. The US Department of Education reports that they do show the consolidation and have further stated they can not confirm payment because the approved consolidation provider, XXXX was restructured while it held my loan. 

Please note that prior to today, I have never seen any reporting to the credit bureaus of this debt, nor have I ever received any collections contact. It is only upon qualifying for an FHA loan did this matter arise. This invalid, unconfirmed, inaccurate account balance is preventing my family and me from buying our first home. This is severely negatively impacting our future. This not to mention The agents on the phone from the Department of Education failed to disclose that XXXX was censured and " XXXX has been dealing with problems related to its handling of student loans as far back as 2012. Due to complaints about their handling of student loans, the Department of Education transferred many of their loans to other servicers. You see, the Department of Education owns the Direct Loans, so they can decide who your loan servicer will be and there are many others. Since XXXX was having so many problems, the Department of Education cut ties. '' I need this matter resolved ASAP and will exhaust every regulatory, consumer advocacy, and legal resource at my disposal to do so. I paid my loans and I paid every other of my bills without fail so I'd have good credit when I needed it. The Department of Education, XXXX, and FH Canns & Associates are directly liable for this damage to my family, myself, and our futures.
Consumer complaint received 2018-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I had made wire transfer of {$1500.00} on XX/XX/2018 to XXXX XXXX through wells Fargo bank XXXX XXXX branch. wells Fargo bank has guided the rule that IBAN number should be used instead of account number. the banker who did the wire was unaware of that and she used account number instead of IBAN. After that the Wells Fargo team self generated the IBAN number without my consent and credited the amount to generated IBAN. And IBAN created by them is XXXX and which is NOT CORRECT different from my beneficiary IBAN # XXXX. Now they are calming that we credited the fund to the right account. It's impossible to have 2 IBAN # for one account. My beneficiary is still calming that he has not received the fund yet. Now wells Fargo bank is saying that its the beneficiary and the consumer 's problem. They are saying that wire department is not taking responsibilities for the mistake made by them.I have been continuously making contact with Branch manager and the bankers involved in this case. But they are saying that I should provide the proof that my beneficiary has not got fund. If they had already credited the amount to wrong account number how can my beneficiary gets the money. I have no where to go from here and i would greatly appreciate any help from your part. I am the sole provider for my family as my dad just underwent XXXX XXXXXXXX and I that money was loan repayment for my dad 's load. I am in no position to make another payment of same amount as i pay for my family expense and my school too.
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX is also reporting falsely. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2021-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

XXXX XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (MI)

My bank sent a physical check to Loan Depot in the amount of {$15000.00} to pay down a portion of my mortgage loan. The check was received by Loan Depot on XX/XX/2023, according to their own records. 

Loan Depot rejected the check, citing that certified funds are required. I received this letter of rejection via US mail on XX/XX/2023. I subsequently called their customer service for further explanation and a resolution but I received neither. 

I called the check-source bank about converting the check into certified funds but they are unwilling to fulfill this request as a matter of cost, remarking that it is unusual for a check to be rejected in this manner. Additionally, they can not send the funds digitally to Loan Depot, and they can not send the check to me so I can cash it and forward the funds to Loan Depot digitally. 

As a result, I'm stuck in a bureaucratic deadlock to which Loan Depot benefits as I am forced to pay more interest each month. I want Loan Depot to show me where I agreed to waive checks as a valid form of payment.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just got an updated copy of my credit report and noticed a bunch of hard inquiries that I do not recognize. 

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
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 — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Over 7 years I have disputed this fraudulent account with Bank of America. They have refused to remove it from my credit report. 

I have submitted everything they requested : the police report, affidavit, soc card, drivers license, letter from my bank. 

I have called several times with in the last 3 months and was told that this inaccurate information would be removed and I would receive a confirmation letter. *NEVER* received any letter and it is still showing up on my credit report.
Consumer complaint received 2018-10-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

The consumer reporting agencies, XXXX, Exquifax and XXXX must correct or delete inaccurate, incomplete, or  unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

There exist two public records listed on my credit report that have not been verified by these agencies within the last 30 days. Each one is using old dates as part of their reference, dating back to XX/XX/XXXX and XX/XX/XXXX without either stating a verifiable source, such as the courts. 
Each of these bureaus are in violation of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute related to the two public records listed on XX/XX/XXXX and Equifax ; and the one public record listed on XX/XX/XXXX. 
These companies have failed to list their sources and confirm the source within the last 15, 30, or 60 days of receiving my prior dispute of this matter.
Consumer complaint received 2022-07-22
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. (GA)

I filed a Chapter XXXX in XX/XX/XXXX and included an account with the XXXX XXXX XXXX XXXX XXXX ) which was an account that ended up with this as a result of a salary overpayment for advanced sick leave that became due when I left the XXXX XXXX XXXX XXXX XXXX XXXX  The account was subject to offset every year and was XXXX of XXXX receivables listed with the XXXX. The other XXXX were paid in full and the only one remaining had a balance of XXXX. That account was listed on my Chapter XXXX petition that was XXXX on XX/XX/XXXX. I have provided proof of the account listed and the discharge but TransUnion continues to report this inaccurate account. I have also requested that the XXXX update this information as well.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/20 I notice that I had i did not have my Wells Fargo bank card. I logged into my web account and noticed i had so unauthorized charges to my account. I immediately transferred the remaining funds and called the fraud line that was on the website. 
Amounts were XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX On XX/XX/XXXX I was advised by the bank that it was nothing they could do because the transactions were pending and XX/XX/XXXX they advised that they hold no liability.
Consumer complaint received 2020-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (DE)

I have sent letters on 3 separate occasions to this company, asking them to provide me the proof that I owe this debt. I have not received any response from them at all, yet they have verified the information twice to the credit bureaus. I have also contacted the original creditor and I have disputed the information directly with the credit bureaus. I still have not received any proof at all of the debt that they claim I owe.
Consumer complaint received 2022-11-04
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. (CA)

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 Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account 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, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Have reached out numerous times to provide proof that that this debt is mine as it is not accurate. Please see attached information sent to company reporting information on my credit report. They have failed to provide the proof that is being requested.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I had a bad experience with BOA yesterday regarding my unemployment card for the state of Kansas. The BOA supervisor ( XXXX ) was not helpful with my issue. My issue was that my card mailed out on XX/XX/XXXX and I have still not received it as of XX/XX/XXXX. XXXX wanted me to charge me {$10.00} to send via XXXX. I am not paying to expedite the card to me since I never received the card so I am now waiting another 7 - 10 days for another card to be sent USPS without tracking again. This was the 2nd call that I made to BOA on Wednesday, XX/XX/XXXX ; on the first call I was told that a supervisor would call me back. After approximately 6 hours an no return call ; I called BOA back. Every other time I called BOA I was asked to do a survey but not after I spoke to XXXX. I am also a BOA checking account member and have been for 15 years. I mentioned that during my call as well as I would go to BOA to close that account after no resolution. XXXX did not care at all!