davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
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. (GA)

ATTN : CEO/XXXX  XXXX & CFO/XXXX XXXX XXXX. Hello I am XXXX XXXX. NO E OSCAR disputes. A week ago I received a notice alert on my consumer reporting file. I mailed over certified documents on XX/XX/2021 to be exact I sent it with the USPS and it was signed by XXXX XXXX. The green certified number is XXXX. I've called in to get an update on the status of my disputes only to be told that there were no documents received. Here we are a month later with no response. I was lied to and was told that no documents have been received, in which I knew I clearly sent the documents and received receipt returns and a green card back. This is my proof to show that the consumer agencies are actually lying and ignoring me. I am distress and I have reach the capacity where I no longer have the patience to accept this as a consumer. There are inaccurate accounts that are reporting on my credit report that were removed an inserted back on my consumer report this was the first cause of action that I gave notice to the consumer reporting agency that they are refusing to correct information on my consumer report after providing proof that the inaccuracies are over to be removed. My reputation and character is being ruined due to inaccuracies of XXXX XXXX, XXXX XXXX listed and re inserted on my consumer report in which I've given evidence to back my claim. I am sure you are aware that in fact I can sue you for defamation and willful injury Pursuant to FCRA section 623 Recovery extent of damages incurred by the wronged party, as deemed by the courts in federal court. Second cause of action, The consumer reporting agency in fact re inserted a removed item from my consumer report without notifying me in writing within 5 business days, in fact I will sue them for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$100000.00}. Third cause of action is where the consumer reporting agency fail to respond to my written disputes, and try to respond online which I asked for them not to do. Also they didn't respond within 30 days, I will be suing for violating FCRA section 611 part ( A ) ( 1 ) which carries a fine of {$1000.00} per violation. Must remove from reporting within 4 business days of receipt I am not allowing E OSCAR disputes only manual human being.
Consumer complaint received 2019-02-12
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. (IL)

On XX/XX/XXXX, my credit report displayed that my XXXX XXXX XXXX was charged off and closes in XXXX. A month or so later they begin to re-age my date by fraudulently submitting that I began making payments dating back to XXXX. This is untrue and fraud. I have not made any payments to this account. This company has caused me to not be able to acquire loans to support my family. This is a severe injustice of my rights. I have sent letters to all 3 credit bureaus asking them to verify this information and delete this account for incorrect information being submitted. The bureaus only response is that " the account has been updated ''. Updating a fraudulent account after the fact does not help. This is a direct violation of the Fair Credit Reporting Act. RE-AGING DEBT IS ILLEGAL!
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: QuickClick Loans of Illinois, LLC (SC)

XXXX collection agency went through a third party, without my consent to acquire my new bank information and began drafting {$75.00} out of my account. They withdrawal {$75.00} in XXXX and XXXX of 2018. I never signed, finalized, or spoke with anyone. And their isnt any court orders to do so.
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Ability Recovery Services, LLC (LA)

Ability Recovery Service XXXX has called me far too many times that it is bordering on harassment and they refuse to listen to any explanation I give them because all of my student loans are in repayment plans. However they Say that they represent XXXX for a repayment of a loan that is in a repayment plan, and every time they call me they are rude and unwilling to accept the truth and their calls end with threats and an abrupt hanging up on me. And I have Explained to them many times that my student loans are in repayment plans but they refuse to listen to that or accept it - they say I am playing games and then threaten legal lawsuits. And, I do n't know why they have this but I have heard that this company buys accounts that have passed the Statute of Limitations in order to make false claims in order to make people believe that money is owed and collect money that is not owed under false pretenses. In Addition I am not even sure what loan they are talking about because they do not specify the debt type or the amount all thy said is that they had this since XXXX of 2015 and my student loans have been in repayment plans long before this time, so something is not right about this company because of the claims they make and the harassment and threats because a Professional or legitimate business would not harass or threaten people and they would be willing to listen to you instead of dismissing anything you say as excuses, lies, or games, and I have spoken with XXXX before a they said that Ability Recovery Service is not a company the school uses because they have their own service for that purpose.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

Your bank has handled my identity theft in an unprofessional and frankly embarrassing manner. My father served in the military for me to have the privileges such as membership with your credit union and this is not what he would have envisioned for me to occur while doing business with your company. 

I have attached my Identity Theft Report which has further information. 

As mentioned in my identity theft report and correspondences with Navy Federal Credit Union, there were discrepancies with the way my case was handled. One representative ruled in my favor and another did not. ; unfortunately, the bulk of the charges were denied. It caused me a five figure loss of funds, my Navy Federal checking account to be overdrawn, and due to that denied for other products from Navy Federal although my FICO scores range from XXXX to XXXX depending on the scoring model. 

I want these decisions to deny my fraud claim ( s ) reversed immediately and all fraud charges refunded to me immediately.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

Hello American Express, Yesterday I finally received a supposedly corrected 1099c for XXXX. 
However nothing was corrected. 
In XXXX & XXXX I received 1099cs for tax years XXXX & XXXX. 
I have been try for the last 2 years to have them corrected. 
I have sent numerous faxes and at least 3 certified letters.

The letters were sent to : 1 ) American Express XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 2 ) American Express XXXX XXXX XXXX XXXX XXXX Mail XXXX NY XXXX NY, NY XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX ) American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- First of all, I would to state that the debt was disputed and the amount that was paid is the amount that was agreed that was owed.So a 1099c should never have been issued.

I would like to continue with the fact that even if the 1099c was rightfully issued its totally wrong.

Please look at BOX # 3- INTEREST included in BOX 2 {$3.00} FEES AND INTEREST acct # XXXX XXXX {$1500.00} XXXX {$1200.00} XXXX {$1500.00} XXXX {$1500.00} XXXX {$1500.00} XXXX {$510.00} TOTAL {$8000.00} FEES AND INTEREST Box 3 : INTEREST Shows interest cancelled if it was included in the cancelled debt in box 2. If you have an amount in this box, think about whether it would have been deductible if you paid the interest. For example, if this would have qualified to be deductible mortgage interest on your home had you paid it, then this interest reduces your overall taxable cancellation of debt income.

Per the IRS BOX 3 ON THE 1099C Box 3 Shows interest if included in the debt reported in box 2. See IRS Pub. 4681- Please correct as soon as possible, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Please correct as soon as possible, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 at XXXX PT, I called Equifax and spoke to XXXX at Equifax . I asked that the incorrect addresses and employers be removed from my consumer credit file. I was given confirmation number XXXX. 

I have attempted to have Equifax correct their reporting of information on my credit report. I did not give written permission to Equifax to report my personal information to anyone. Would the reporting and selling of my personal information without consent considered theft of identity? Even after advising Equifax of incorrect information, they willfully ignore my requests and also purposefully update my home address incorrectly. 

I would like to request a full file disclosure. 
Additionally, please verify, reinvestigate and send the credit file for the following accounts listed below on my consumer credit : 1. XXXX XXXX Acct No. XXXX 2. XXXX XXXX XXXX Acct No. XXXX 3. XXXX XXXX XXXX XXXX Acct No. XXXX 4. XXXX Acct No. XXXX 5. XXXX Acct No. XXXX 6. XXXX Acct No. XXXX 7. XXXX Acct No. XXXX Equifax has refused to provide weekly credit reports due to XXXX.
Consumer complaint received 2015-07-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC (IL)

I have been communicating with this collection agency about a debt that does not belong to me. After following up with phone calls and letter correspondence, i have yet to receive a reply. I am asking that this dept to be removed from my credit report immediately and for Ability Recovery Services to provide proof that the dept is removed. I am willing and ready to pursue legal action if necessary.
Consumer complaint received 2016-03-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc. (ID)

The company of " common wealth '' phone number ( XXXX ) XXXX, stated I was being sued for a debt from 2009. This debt is no longer on my credit report. When I asked about this, he stated that the debt collection has been reopened and that I would be taken to XXXX courthouse. There is no courthouse in XXXX. He told me I had XXXX hours to agree to a payment otherwise my {$1300.00} debt would turn into {$5000.00} debt and they would garnish wages among other things.
Consumer complaint received 2019-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

WE REFINANCE IN XX/XX/2018, A FIXED LOAN FOR 30 YEARS WITH XXXX XXXX TO LOWER INTEREST RATE AND CASH OUT, BUT NEVER WAS TOLD THAT SOME OTHE COMPANY WOULD BUY OUR LOAN, WOW, THE FIRST ONE DID AND THEIR WERE NO CHANGES, THIS SECOND COMPANY PURCHASED OUR LOAN SPECIALIZED LOAN SERVICINGLLC XXXX. XXXX XXXX XXXX, CO XXXX-XXXX APPRAISED AT XXXX WELL MY HOUSE NOTE WENT TO XXXX IF THEY PURCHASED OUR LOAN WHY DID THEY NOT PURCHASE IT AS IS. 

I HAVE BANK WITHDRAWAL AND THIS AMOUNT WAS A SHOCK. YES I CALLED THEM AND THEY EXPLAINED THEY WE DID NOT HAVE ENOUGH EQUITY, OK TO US THEY SHOULD JUST LEFT IT WITH THE OTHER OWNER. I NEED SOME HELP ON THIS AND TRYING TO LOWER MY PAYMENT.
Consumer complaint received 2022-05-06
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. (MA)

I have disputed this account and have reached out to the XXXXompany/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

I called EdFinancial Services on XX/XX/2022 to request a refund on my payments made during the payment pause. They told me there was no way to know when the refund will be given to me and that it will likely be no less than 90 days. They gave me no confirmation of my request and when I inquired about a written confirmation they said they can not provide that and that if I want to know the progress I'll have to keep calling them back.
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX Mailed letter on XX/XX/21, XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

Transunion- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXXXXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PNC Bank N.A. (PA)

PNC closed the above account ending in account numbers XXXX. Marked my account as delinquent for 90+ Days, reported me to major credit bureaus, & fundamentally altered my credit score by 65+ points. There was not a warning call, email, or written complaint certified or non-certified mail. With regard to the following issue it remains unresolved and I have decided to enact arbitration between PNC Bank N.A . & myself. I will send a certified postage on Monday XX/XX/2021. I request the signed copy of my credit contract & terms along with the recorded communications of relating to the closure of my account. It was stated that the delinquency was communicated via phone record & certified mail. Please present evidence of the following documents. I appreciate the executive escalation teams response but have not been provided with the following supporting documentation. I am presently incurring a substantial penalty in regard to my present credit score. Thank you. XXXX
Consumer complaint received 2022-05-18
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. (MA)

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. These items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let this fraud inquiry affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify these items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete these items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

My checking account was compromised as XXXX bogus checks were deducted from my account. Reported all data to M+T Bank. Was told they had to open a new account. XXXX months have passed. Many checks are being blocked. I can not pay my bills. Bank has approaved reimbursment however they claim to have problem because my bank account has set up in my trust XXXX not tell me how long it will take to set up a new account. Need help!!
Consumer complaint received 2023-09-30
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : 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 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 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

PLEASE!! I've asked several times to correct personal information on my report. After filing my 2021 taxes, I believe I am the victim of fraud. There are several inquiries on my report that I DID NOT DO... .Do n't tell me they are a matter of record when I keep asking you to verify or remove inaccurate or outdated information on my report! 

DO NOT RUN ANY INQUIRIES UNLESS I CALL YOU AND ASK TO LIFT THE FREEZE!!