davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX  XXXX XXXX, XXXX XXXX and XXXX  XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  XXXX, XXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2020-11-02
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. (MI)

I've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my report.
Consumer complaint received 2019-02-25
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 am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XX/XX/XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (ID)

Disputed Bill as paid. Equifax refuses to remove bill and shows the account as being OPEN. The account was closed and removed by billing agency do to age. 
EQUIFAX : Account # XXXX OPEN Balance {$240.00} XXXX Original Creditor Qwest {$240.00} High Balance XXXX XXXX, 2013 Opened Date XXXX XXXX, 2013 Last Reported Individual Account. 
Responsibility Collection account
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I have contacted Santander Consumer USA of my payments being applied to late fees, miscellaneous charges and specifically interest charges on my account. I started my car loan with them on XXXX of XXXX and my account defaulted because of missed payments and was charged off by Santander XXXX on XXXX of XXXX. Since the beginning of XXXX I have made my payments more than the monthly payment and {$1900.00} of my payments have been applied to interest charges alone. I contacted Santander in regards to my payments and I was told that all my payments should only be applied to the principal since my account was in collections and it was charged off. Also that the payments are not being applied to interest but to late fees, this is not accurate at all compared to the information on my account. I am assuming Santander Consumer made a mistake and incorrectly applied my payments to interest charges and late fees since they assured me that all payments from XX/XX/XXXX forward are being applied to my principal balance on this account that is in debt collection. I ask that Santander Consumer USA redirect any payments applied to interest, late fees and miscellaneous charges be applied to the principal balance.
Consumer complaint received 2021-01-26
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: CITIBANK, N.A. (TX)

There is a fraudulent item being placed upon my credit report from Citicard/Citibank that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with Citicard/Citibank. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX  by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX  involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission Citicard/Citibank has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, XXXX  and XXXX  are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, XXXX  and XXXX  under Section 609 FCRA.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed several times and have not gotten the results I wanted, and the customer service staff was n't any help in assisting. Please remove ALL address off my credit report EXCEPT : XXXX XXXX XXXX, XXXX XXXX, FL XXXX And please correct my name on file to : XXXX XXXX. 

No other names or addresses should be on my credit report. 

Thanks.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed the account XXXX This account was paid off and it was not my account. I did not open this account. This is a fraudulent account. I want it removed immediately from my credit report please. Once this is removed i want a investigation with the correct FICO Score.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing a complaint because Transuion has ignored my request to provide me with the documents their company has on file used to verify the accounts I disputed. My dispute has extended past the 30 day mark without Transunion verifying these accounts. Under section XXXX XXXX XXXX ) ( A ) of the FCRA - They are required to ... '' promptly delete all information which can not be verified. '' This matter is prohibiting me from obtaining credit. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They have received no response. I can not logon online to enter dispute due to incorrect information about a mortgage on my credit file. Transunion has incorrect information on my file and is now making it very difficult to report it. The following information is incorrect and not mine, so unless proof of my signature is provided it must be removed from mu report. 
1- XXXX XXXX XXXX # XXXX - DO NOT KNOW OF THIS2 - XXXX # XXXX AND # XXXX THESE ARE NOT MINE AND SHOULD BE REMOVED FROM MY REPORT. 
3 - XXXX XXXX XXXX # XXXX - THIS IS NOT MINE AND NEEDS TO BE REMOVED FROM MY FILE AND REPORT.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY ()

We sent a Qualified Written Request to a servicer and Trustee who seem to be committing ro-bo signing who has refused to produce original documents and is in violation of it consent orders. We remove the companies power of attorney in 2012 for fraud and XXXX XXXX has settled for violating the fair housing act and and they continue to try and take our property under the color of law. there are so many more things that they are in violation and I am asking the CFPB with the laws they are violating. the reason for this complaint goes much further than th
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXXXX {$270.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-12
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. (VA)

On XX/XX/XXXX I submit a request asking Equifax to remove a bankruptcy that was inaccurately being reported. On XX/XX/XXXX they stated they validated the bankruptcy with the company XXXX XXXX. That information is false XXXX XXXX, as of XX/XX/XXXX, has removed the bankruptcy from their database because they couldnt verify it. The bankruptcy is not mine.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MA)

I had a personal, unsecured loan with Wells Fargo, which I paid in full well over a month ago. I have yet to receive any sort of confirmation the loan is paid, or a charge-off statement. The loan is still being reported to my credit. When I attempt to contact Wells Fargo, they advise me they have no record of me or my loan anywhere when searching by my social security number. They have intentionally lied to me about which department to speak with, about there being a supervisor in the relevant departments, and about the process of obtaining proof of payment in full. I have also been hung up on anytime that a person is unable to answer the most simple of questions, or when I ask for a person who can resolve this issue directly.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

Hello, I was advised today that Experican continues to report innacurate information on my reports that has already been disputed as follows : 1. Account Recovery Service, Balance {$780.00}. This is not my debt and the company has failed to provide proof of debt. This has been disputed in the past. This must be removed. 
2. Online Collections, Balance {$58.00}. This was never a debt. Just received a refund check from the original creditor ( SRP ) and an apology for the error ( see attached ). This must be removed. 
3. XXXX XXXX, Balance {$290.00}. This account has been disputed several times and removed in the past. XXXX XXXX has failed to respond to the CFPB as well. This must be removed. 
4. XXXX Bank. Balance {$12000.00}. This account was late in the past but the balance and status are not correct. The account is current in payment with a lower balance. This must be updated. 

Thank you for correcting these errors.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MI)

I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.  XXXX   XXXX   XXXX   Date Filed   XXXX  2017   Type Credit Unions 2.   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters 3.   XXXX   XXXX   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2019-02-25
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. (CA)

I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/2010, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (CA)

A couple of years ago I have discovered unauthorized charged on my Discover card, and have contacted Discover with hopes of resolving the issue. Discover shut down my card and nothing was resolved. I refused to pay the amount I did NOT authorize thus Discover sent this account to collections. This year I decided to clear negative items from my credit and contacted Discover with hopes to pay in lieu of them removing this account from my report. A few months later I received a statement from Discover stating that they have charged off this account but if I wish to pay it I should contact XXXX XXXX who is now collecting on this account ( see attached ). I have contacted XXXX and agreed on a payment plan. So far I have made a total of {$4400.00} to XXXX XXXX for Discover account however Discover is STILL reporting the outstanding FULL balance to all XXXX bureaus on my credit report continusly damaging my credit and claims NOT to have received any payments. However, XXXX states they have forwarded all payments to Discover ... After all this money paid none of the parties seem to know where the funds went and I still ca n't refinance my house due to this unresolved matter and Discover card being in dispute. Please help!!!
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Citi. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership and was ignored. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. I have been contacted by Citi at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. When they were unable to attack my credit any longer, they turned to my daughter 's who was an authorized user and added when she was XXXX years old. I spoke to two Client Specialists who removed her from the credit cards. However, when I asked if they were going to report her as not delinquent to the credit reporting agencies, they told they would investigate. Citi has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX and may not XXXX for another year.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft when my wallet was stolen. Someone went out and bought a bunch of cars and credit cards in my name and then didnt pay for them and now my credit is messed up. XXXX and XXXX complied and removed the accounts but equifax is not removing the XXXX accounts that are not mine. I have a police report and the vin numbers for some of the cars are on there. I need these accounts removed asap as it is ruining my credit. I have spent several months on this and they are not following the FCRA 605b. The police are investigating the persons they believe did this. Their names are XXXX XXXX and XXXX.
Consumer complaint received 2022-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, PENN CREDIT failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (DC)

I had a some money deposited into my citi bank savings and checking account when I tried to get it out they said they closed my account for fraud theres no way that was a fraud that was 2 months ago and they havent sent me any check in the mail for my money every time I call they give me the run around its a pandemic going on and I really need my money!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Companies continue to violate the consumer protection act I'm an XXXX  man and these harms and willfully knowingly and gross negligence has caused tremendous harm these items need to be removed or correct to reflect non adverse and non derogatory remarks on my consumer report and these companies need sanctions and injunctions and ordered relief urgently as this is an emergency restraint of trade breach of fiduciary duties as well as anti trust violations!