davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I closed my account with XXXX XXXX which was paid in full at the time of closing the account. The account was opened in XX/XX/2017 and closed roughly 18 months later. I spoke with multiple representatives at XXXX to ask them why I received a collection call for a past due bill and their responses were there is no bill in my name. This is now in collections for {$540.00}.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-15
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. (NY)

I have a XXXX collection on my credit report. I have disputed this multiple time with all credit bureaus and it comes back as verified. Meanwhile whenever I ask the credit bureaus how was this account verified they are unable to send me the method of verification all they sent it a payment history. This account has different status across all three bureaus. I need this charge off account to be deleted off my credit report. Transunion XXXX and XXXX have been violating the fair credit reporting laws with this charge off account I need it to be removed
Consumer complaint received 2020-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I closed my account with XXXX XXXX which was paid in full at the time of closing the account. The account was opened in XX/XX/2017 and closed roughly 18 months later. I spoke with multiple representatives at XXXX to ask them why I received a collection call for a past due bill and their responses were there is no bill in my name. This is now in collections for {$540.00}.
Consumer complaint received 2020-02-24
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. (AR)

I have sent numerous dispute letters since XXXX to Experian Information Services challenging their reporting on two collection accounts XXXX XXXX XXXX parked in my credit report back in XXXX and XXXX on alleged unsubstantiated debts they purchased back on XX/XX/XXXX and XX/XX/XXXX and starting trying to collect from me on debts that they have failed to validate to me. XXXX XXXX has been reporting to Experian and they have been updating monthly since then. I have sent methods of verification requests to Experian on what XXXX XXXX or the original creditors sent to them to certify these debts as accurate. To date they have failed to comply. Experian keep replying back the information was certified as accurate and update. To date XXXX and Experian both have failed to provide me any viable evidence to substantiate their claims and reporting as 100 % true and accurate. Can they legally ignore my disputes and methods of verification requests?
Consumer complaint received 2020-02-24
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. (NC)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Consumer complaint received 2020-02-24
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. (NC)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Consumer complaint received 2020-02-24
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. (GA)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX  XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Consumer complaint received 2020-02-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.
Consumer complaint received 2020-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.
Consumer complaint received 2019-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

This scam involves XXXX XXXX XXXX. On XX/XX/2019 he transferred me XXXX USD to my PayPal account for no reason. The transaction went through and I immediately returned the money in full through PayPal. One month later on XX/XX/2019 he cancelled the original XXXX USD he sent me in XXXX, leaving my account in the negative ( XXXX USD ) and he walked away with the money and closed his PayPal account. I have contacted PayPal and they claim there is nothing they can do. I have messages from XXXX that state this is something that he has done lots of times to many different people.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (SC)

I took out an installment loan from Avant Credit. I paid all of my payments and thought after the final payment was made that my account was paid in full. Two years have passed since my last payment was made and I pulled my credit to review what was on there and clean up any necessary accounts. I noticed that Avant was still on my credit as an open account and accruing interest. After my final payment was made ( in which they were automatically drafted from my account ), I never heard from Avant again. I reached out to Avant by phone on XXXX XXXX, XXXX and was told there was nothing they could do that I would need to email the dispute department, which I did that same day. On XXXX XXXX, XXXX, I received an email back stating that I had a very minimal balance on my account after the final payment was made because I moved a scheduled payment so that has been accruing interest ... ..since XXXX XXXX, XXXX. I responded once again on XXXX XXXX explaining that I was disputing the fact that I was accruing interest on a balance that I did not know existed and would have known existed had I not pulled my credit report and reached out to them. Today, XXXX XXXX, XXXX, I received an email from Avant again stating the same thing that there was a balance and has continued to accrue interest. I responded and told them once again I did not know there was a balance and since they did not tell me, that is why the balance remained unpaid.
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX16 at XXXX XXXX I withdrew {$300.00} from my checking account which incurred a XXXX overdraft fee as per the overdraft agreement. Since I signed the agreement willingly, I am fully aware that I would be charged a fee and had no issue with the fee for {$300.00} transaction, however I do take issue with being charged an additional {$37.00} overdraft fee for a transaction that occurred at least 6 hours prior to the withdrawal as shown by the banks own documentation and could have been paid, saving me from paying an additional fee. 
I feel that this is a perfect example of " stacking '', where the bank does not post transactions as they occur or as in " real-time '' as I consider it. The bank documentation clearly shows that the recurring expected transaction occurred on XXXX at XXXX, which would have meant that prior to XXXX on this same day, I had XXXX in the checking account and therefore, enough to cover the recurring expected transaction which would not have incurred an overdraft fee had the recurring item been posted as it actually occurred. 
I firmly believe the bank should reverse XXXX of the overdraft fees. I am perfectly willing to pay a fee for the withdrawal transaction as per the agreement I signed, but I should not have to pay a fee for something that I actually had the money in the account to cover.
Consumer complaint received 2020-02-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY CREDIT. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA AS TO WHO COULD HAVE CAUSED SUCH DAMAGE TO MY CREDIT. IT IS WITHOUT A DOUBT THAT I AM A VICTIM OF IDENTITY THEFT. 
IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM A YOUNG MAN TRYING TO FULFILL MY DREAMS AND MY CREDIT PLAYS A VERY IMPORTANT ROLL. 
I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-02-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MacDowell & Associates, Ltd. (CA)

I am writing to complain about a company MacDowell & Associates, LTD- XXXX XXXX XXXX . I have recently received documents that I am being sued by them without even notified. For a vehicle that was released to their client XXXX XXXX XXXX, XXXX. Since then the amount owed has made its on my credit report and has affected my credit score negatively. MacDowell & Associates have harassed me by relentlessly calling my mobile phone, calling my job. Ive changed my number because they would reach out on the hour, every hour trying to get me to pay back XXXX ( as if a guy working a retail job has that kind of money laying under a rock. XXXX XXXX XXXX is what shows up on my credit report but this law firm are the ones trying to turn rocks into gold.
Consumer complaint received 2020-02-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Good Afternoon, I requested my credit file from Equifax on XX/XX/XXXX using XXXX XXXX XXXX   site and was given my free credit report upon entering my identifying information. 

On XX/XX/XXXX I sent Equifax a dispute letter by mail attaching the very same verifying information. They sent a letter dated XX/XX/XXXX that they were " unable to locate a credit file '' in their database with the information I provided - which is inaccurate since the very same information that gave me access to my report in the first place is what I sent them. 

I sent that same verifying information a 2nd time on XX/XX/XXXX. They sent the same letter in response to my 2nd inquiry on XX/XX/XXXX, stating they were " unable to locate a credit file '' in their database with the information I provided. Again, I submitted the same information that gave me access to the original report on XX/XX/XXXX. 

It has now been over 30 days since they received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On Friday XX/XX/XXXX I discovered that 4 ACH withdrawals were made from our savings acct. {$450.00}, {$900.00}, {$100.00} and {$2100.00}. I immediately contacted our bank Citizens bank and it has been a nitemare!! I went thru 5 different people and finally made a complaint on social media. I then was contacted and told that they would work on it and wed hopefully have our $ $ by today or tomorrow. I asked the bank how this happened as we have NEVER had an ACH withdrawal from our savings before. No one can give me an answer. I filed a complaint with the XXXX and my complaint with Citizens has now been brought to the attn of the chairmans office but when they called me today, they said nothing except their name and that theyd be handling my case? She said Id get a phone call by the end of the week?? I just now discovered that 2 MORE FRAUDULENT WITHDRAWALS HAVE TAKEN PLACE TO MY CHECKING ACCT!!! {$400.00} and {$600.00} ... .I called the bank again at XXXX XXXX ... spoke to a supervisor who filed those two additional claims and only apologized!! I am disgusted and I want my money!!! I want answers too!! How did this happen?? What kind of fraud security am I being provided with? No one at the bank can tell me?? I want my {$4600.00}!!! Im filing complaints with the state tomorrow and will continue to do so until our money and explanation is returned
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete the following information in my file. The items I need deleted are enlisted in the report. 
I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Theft Affidavit. 
Please delete the items as soon as possible. Thank you!
Consumer complaint received 2020-02-24
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. (FL)

There are multiple addresses on my credit report which are wrong. I have sent a letter to the Credit bureaus asking them to remove all the wrong addresses and even provided them with my Drivers license and proof of address and my SSN card in order to verify my identity and support my request and still they have failed to remove the wrong addresses. I want to make sure that my actual address as shown on my driver license is the only one that shows on my credit report in order to protect my information from possible fraud. 
please help me in asking the credit bureaus to remove the wrong addresses
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (FL)

XXXX XXXX ... FREEDOM MORTGAGE*** THIS COMPLAINT IS AGAINST A SPECIFIC INDIVIDUAL FOR NUMEROUS CRIMINAL ACTS ... WE HAVE EVIDENCE IN WRITING*** XXXX XXXX IS GUILTY OF CRIMINAL CONVERSION, RACKETEERING, EMBEZZLEMENT, LOAN FRAUD, ATTEMPTED GRAND THEFT, MORE WHILE INSTRUCTING NUMEROUS INDIVIDUALS BELOW HER TO COMMIT CRIME IN A CRIMINAL SCAM DEFRAUDING THE ELDERLY, MINORITIES AND THE LESS EDUCATED. 

FREEDOM MORTGAGE COMMITTED LOAN FRAUD WHEN THEY ISSUED THE LOAN. THEY VIOLATED COUNTLESS STATE AND FEDERAL LAWS ON LOAN DISCLOSURE AND CRIMINAL FRAUD. THEY HAVE CONFIRMED LOAN FRAUD BUT THEY HAVE KEPT THE ILLEGALLY OBTAINED FUNDS. 

XXXX XXXX ALSO SUPERVISED AND COVERED UP EMBELLZEMENT WHILE INSTRUCTING OTHERS TO TRY AND STEAL A HOME ILLEGALLY. SHE ALSO INSTRUCTED OTHERS TO COMMIT LOAN SERVICING FRAUD. 

THE LOAN FRAUD IS DOCUMENTED IN THE CLOSING DOCUMENTS FOR THIS LOAN THE EMBEZZLEMENT IS IN WRITING AND CONFIRMED BY XXXX XXXX THE LOAN SERVICING FRAUD IS IN WRITING AND CONFIRMED BY XXXX XXXX IN ADDITION, XXXX XXXX SOLD THIS LOAN TO XXXX AND WE NEVER SIGNED OR AGREED TO THEIR ABA ( AFFILIATED BUSINESS AGREEMENT ) SO THIS IS ALSO A VIOLATION OF STATE AND FEDERAL DISCLOSURE FREEDOM MORTGAGE RECEIVED COMPLAINTS PRIOR BUT DID NOT ANSWER THEM. THEIR CUSTOMER SERVICE IS A FRAUD. 

THE BANKS HAVE ABSOLUTLEY NO FEAR OF THE CFPB. THEY THINK THE CFPB IS A JOKE. YOU NEED TO MAKE A STATEMENT AND PROSECUTE THESE CRIMINAL ACTS. THERE ARE THOUSANDS OF VICTIMS AND BILLIONS IN LOST ASSETS ILLEGALLY SEIZED BY THESE CRIMINAL XXXX ALREADY ... WITH MORE ATTEMPTED THEFT AS WE SPEAK.
Consumer complaint received 2022-12-15
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. (SC)

Equifax has no birthday on my credit report. They mailed me a report listing my birthday as XXXX/XXXX/XXXX. This is incorrect as when I try to apply for loans its like I dont exist. My credit report hasnt been updated with them since XXXX. How are they reporting information with the incorrect birthday? With inconsistent information how do they know these were my accounts.