davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Trying to get a copy of my report after finding out my information was in yet ANOTHER data beach ( the 3rd one now ) and every time I've tried to access my Equifax report, I'm told that they " can't verify my identity '' after answering the security questions. This last time on XX/XX/XXXX I was asked about an auto loan and payment on said loan, and a line of credit and payment on said credit, NEITHER OF WHICH I HAVE! Those were the only questions, I don't have either of the accounts they are asking about! This happens EVERY time and only with Equifax! I think their verification process is backwards and THEY should have to verify information with the CONSUMER, and actually make these companies provide legal, legitimate documentation proving the information is correct - which they DON'T! I spoke with a representative and verified my 1. Name 2. Date of birth 3. Social security number 4. Phone number 5. Mailing address 6. Physical address 7. Naming random credit cards issued to me including month and year of issuance on more than one card 8. Payment amount on said accounts verified 9. Most recent employer BEFORE the current employer I now work for - seriously, what more do they want?! Who are these people anyways, and who gave them permission to basically steal MY information - when I never authorized them to have it in the first place, and then tell ME that they can not verify MY OWN identity?! With over a million consumer complaints lodged against them I would think they would be better regulated & held accountable considering!
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX  keep calling me after I repeatedly told them that this is dealing with a car accident that I was in. The police was in a high speed chase and caused someone to hit me. I gave them my attorney number 2x 's. They are still trying to collect on a debt that wasn't settle because my case hasn't been settled. My attorney explained that if they really called his office.
Consumer complaint received 2019-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I apply for financial hardship in XXXX. I had sickness and loss of income. Received unemployment so I was able to submit an application for a hardship. I completely information For financial hardship explaining my situation. After a long flight to get help after continuously trying to talk to the mortgage company. They kept giving me a lot of runaround. Finally got a notice that I was approved A Forbearance in XXXX. So the forbearance would have went through XX/XX/XXXX, I received an email from a XXXX XXXX with Fifth Third, On XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX XXXX wrote : She requested paystubs. I sent all the information XX/XX/XXXX through email. The only correspondence that I received after that was on XX/XX/XXXX, requesting a monthly worksheet so that we can start the modification. I sent all the information as requested Through email. On XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX wrote : Do you spend anything for auto gas and I stated no. And that was it. I heard nothing from this point. On XX/XX/XXXX of XXXX, I sent another email to XXXX requested an update. She replied that a repayment plan was mailed out to me on XXXX XXXX mail. And asked Did I not get it? I Reply no!! And asked what was the payment plan. I heard nothing. On XX/XX/XXXX, I sent another email and got a reject noticed that XXXX Is no longer with the bank. I called and spoke to several people. XXXX XXXX XXXX For an update and she stated that her fouls never moved to another individual, and that she will assist me a call me back on Friday XX/XX/XXXX To see if she can get with a Nother negotiator so they could get the paperwork back out to me so that I can sign it and start the repayment plan. I heard nothing from her Until XX/XX/XXXX. And she requested that I start the whole process over. Im very frustrated not sure whats going on. Ive called and spoke to XXXX on On XX/XX/XXXX and she advised me to send a signed form only, and additional paychecks and that they can use the same information to resubmit. I resubmitted on XX/XX/XXXX. But got a call today XX/XX/XXXX from a XXXX requesting payment and that Im in foreclosure. When I Called On XX/XX/XXXX, I wasnt in Foreclosure, now I dont know what to do at this point because now theyre stating that an attorney has been assigned to the fair and that theres additional fees is going to be attached on the mortgage. I never dropped the ball I got approved for payment plan. The person that was working My file is no longer with the bank. Contacted XXXX XXXX, she asked me to forward all the emails from XXXX and I did and now theyre making me start the whole process over and Im in jeopardy of losing my home. I need help, I need help. To stop this from happening. Im baffled that a company can start a foreclosure process, due to me being approved for repayment plan, but due to me never receiving that information in the mail, I am now about to lose my house. I told XXXX and XXXX at FifthThird about what happened. But no one will help me.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

i had XXXX accounts with TD Bank. On XXXX credit report they show as XXXX ( Home equity loan ) XXXX ( Revolving line of credit ) XXXX ( Revolving line of credit ) i have disputed these with XXXX no less than 3 times. Each time the results come back " The information you disputed has been verified as accurate. '' I have tried resolving with with TD Bank to no avail. The account was apparently xferred to another branch and they are unwilling or unable to view much less provide me with statements. 

XXXX was paid in XX/XX/2016, it was not late, and it certainly was not included in any bankruptcy ( who includes a XXXX balance loan in bankruptcy?? ). I have given both TD and XXXX copies of XXXX showing account paid - this is ignored. 

XXXX if the idiots would pull copies of my checking account they would see payments being made each and every month yet they show this as going into 30 day in XX/XX/2016 and into collections in XXXX XXXX look at checking account ending in XXXX! 

XXXX same as XXXX
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I hope this message finds you well. I am writing rhis complaint regarding the delayed correction of late open accounts with your company. 

I have yet to receive any updates or resolutions regarding the status of my account opening requests. Given the urgency of this matter and the impact it has on my ability to access and utilize your services, I am reaching out once again to request immediate action. 

The prolonged delay in correcting these late open accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. As a valued customer, I expected a more efficient and responsive resolution to this issue. 

I kindly request that you prioritize the review and processing of my account opening requests to ensure their timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this matter. 

Please be advised that the continued delay in addressing this issue may compel me to seek alternative service providers. I trust that you understand the importance of resolving this matter promptly and will take immediate action to rectify the situation. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00}.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you regarding the inclusion of a charge off account on my credit report. It has come to my attention that XXXX XXXX XXXX has reported a charge off for the account numbered XXXX, and I demand its immediate deletion from my credit report
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I would like to look in to how to pursue an investigation into my institution on TD BANK N.A. of banking fraud. The reason for this is this institution has altered its transactions posting times to make returns and collect returned transaction fees. In my TD Bank Convenience account at this banking institution, I had a transaction that went through and cleared Monday XX/XX/2019, in the morning. This transaction was processed and was covered by overdraft protection and visibly showed in the posted transaction section of my online statement. I even waited until Wednesday to make sure all funds had cleared and had been paid to the recipient. I later double-check my online statement showing on XX/XX/2019 it had been cleared for 2 days. The reason I know this is I wrote a letter to the recipient that yes it was covered in the morning. Checking back on my account later that same day [ Wed. ] and my online account statement now stated it was summited on Tuesday, XX/XX/XXXX and returned. In fact it was 2 business days and post-dated by the institution creating a return with return and overdraft fees.
Consumer complaint received 2019-04-25
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. (CA)

I made attempts in the past to have a payment plan. I then called XXXX of 2018 to do a income based repayment plan. I filled out the application and included pay stubs as they requested and fax it in. I received a letter stating That they had received my application and documents by mail. I have been waiting since then to get a reply on what happened to the income-based payment plan and received nothing. I called today and the agent on the phone told me that they were only sending me a balance due notices and other notices by mail and that the denial letter was never mailed out to me it was only available online. This seems very fraudulent to me because every other notice was sent by mail other than this one notice. It seems as if Navient Purposefully did not send me that notice by mail. This seems illegal if every other notice was sent by mail other than this. When I asked for a summary of my account to be mailed to me with all the information they refused over the phone. Why would anyone want to pay back loans when it seems like Fraud is involved on the side of the lender.
Consumer complaint received 2019-04-25
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. (GA)

This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A,  state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (CA)

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has deen sending me collection notices in the amount of XXXX. The collection has been posted as past due balance. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-04-25
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: SYNCHRONY FINANCIAL (GA)

On XX/XX/2019 someone has applied for a XXXX  credit card/ airlines with SYNCB/walmart XXXX XXXX Fl . I live in Ga. I received a alert from XXXX XXXX today which is the same day. I looked this up and they said to contact you guys to get this solved faster. My husband and I are about to start looking for a new home by next year and I dont need anything like this on my credit. I hope you guys can stop this before anything bad happens to my credit. Thanks for all you can do for me, XXXX XXXX
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank did not want to remove fraudulent charges on my account XXXX as follows : Charge on XX/XX/2019 for {$120.00} Charge on XX/XX/2019 for {$190.00}.
Consumer complaint received 2019-04-25
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: EQUIFAX, INC. (LA)

EQUIFAX is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX- Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX- I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prince Parker & Associates (OH)

My roommate received a call to her cellphone from a gentleman named only Mr. XXXX, his phone number is XXXX extension XXXX in regards a supposedly owed amount of {$1800.00} to XXXX XXXX XXXX. Mr. XXXX proceeded to provide sensitive information in regards such debt. I used to be a collections agent and under NO circumstances details were to be disclosed, reason why? Anyone can provide with incorrect details in order to get information not related to them, which happened in this situation. The collector 's job should have been to provide his name and phone number and ask for me to give him a call, not to spill everything to someone who wasn't me. I never got any calls in regards this nor letters trying to " collect a debt ''.
Consumer complaint received 2019-04-25
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This debt has been reported on my credit report by TWO different agencies within the last year. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co-owners of any account in the past. How can this debt be verified if it is showing up on two different individual credit reports with two different agencies? The XXXX, XXXX, Experian credit agencies are reporting this information as verified but how if this is on me and my fathers credit report? Exactly whose bill is it? According to the FCRA, if a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice. The information being reported appears as a re-aged account the dates of the account being opened is incorrect with what is on my report and from my knowledge, this is not legal. Along with Names and addresses. The account Is being reported opening in XX/XX/2018 and that is incorrect information.
Consumer complaint received 2019-04-25
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. (CT)

Transunion is reporting that I have an outstanding balance on a XXXX Account in the amount of {$6800.00}. I HAD ONLY ONE XXXX   CREDIT CARD ACCOUNT which has been closed for months. Transunion is claiming that I have MORE than one XXXX Account ( which I do not and never have ). I contacted XXXX as well, and this matter is still outstanding. I am left dumb-founded with only one thought that this could be a fradulent account. 

For the record, Neither XXXX nor XXXX is showing MORE than ONE XXXX Account with any balance at all. 

Please HELP.
Consumer complaint received 2019-04-25
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt has been reported on my credit report by TWO different agencies within the last year. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co-owners of any account in the past. How can this debt be verified if it is showing up on two different individual credit reports with two different agencies? The Equifax, XXXX, XXXX credit agencies are reporting this information as verified but how if this is on me and my fathers credit report? Exactly whose bill is it? According to the FCRA, if a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XXXX of XXXX form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice. The information being reported appears as a re-aged account the dates of the account being opened is incorrect with what is on my report and from my knowledge, this is not legal. Along with Names and addresses. The account Is being reported opening in XXXX and that is incorrect information.
Consumer complaint received 2023-01-27
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. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect NAME : XXXX XXXX XXXX 2. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, RE 3. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect EMPLOYER : XXXX XXXX 6. The following personal information is incorrect EMPLOYER : XX/XX/XXXX 7. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 8. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate And Verify debt XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The Original Creditor is Inaccurate Validate and Verify This Debt XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX