davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/21 talked to the bank of America customer-responsive about my son 's account overdraft fees the lady call XXXX said she will take care of both XXXX dollars from my son 's account but after two weeks later I found out they didn't refund back to his account then I call again this time I talk to their supervisor XXXX she says they won't refund because the bank not responsible that I told them they promise she keeps saying no what a joke the bank XXXX  to me never keep their promise.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

I received today this weird mail From Cedar Business Services about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding 10 km More than tolerance level. The ticket is for {$810.00}. 
This is ridiculous. I have done no such thing. This is XX/XX/XXXX.
Consumer complaint received 2022-11-17
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN 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
Consumer complaint received 2021-07-16
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. (MS)

Transunion is reporting these addresses that I have never lived at : XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian is reporting these addresses that I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2021-09-08
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. (IL)

I written a letter to XXXX and Equifax disputing a bankruptcy on my credit report. They replied to be that they contacted the bankruptcy court and the court verify that they reported it. which is false. XXXX and Equifax violated the FCRA. I contacted the United States Bankruptcy Court of Northern District of Illinois. They told me that the court do not report any bankruptcies to credit bureaus, That a third party reports to credit bureaus. And a third party can not report. They also sent me a letter stating they don't report to any credit bureaus. This is what XXXX wrote to me : The dispute for the bankruptcy named US BKPT CT IL XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 
Source : XXXX  Date Submitted : XX/XX/2021 Report Number : XXXX Court Name : US BKPT CT IL XXXX Address : Northern Dist - Eastern Div XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , IL XXXX Type of Record : Bankruptcy Reference Number : XXXX
Consumer complaint received 2021-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XXXX and XX/XX/2021, I made XXXX attempts to initiate a dispute with TransUnion against unauthorized inquires on my credit file. After making phone calls and writing a letter, I submitted two complaints to CFPB informing them that TransUnion deliberately refuses to investigate disputes against inquiries. As a follow up to my complaint with CFPB, TransUnion has reached out to me by providing a letter explaining the " Explanation of Inquiries on Your Credit Report. '' They have not offered me a remedy on how to dispute any inquiries on my credit report. TransUnion is the only credit reporting agency which does not allow the consumer to dispute inquiries on their report. Currently, there is a class action lawsuit being brought against TransUnion for this same issue. I am now providing supporting documentation for a newer complaint which will show the webpages where TransUnion allows the consumer to dispute credit account information BUT NOT INQUIRIES. Nowhere listed on their website can anyone select " dispute '' for inquiries. TransUnion 's letters to me in response to my multiple requests for an inquiry dispute did not answer my request for a dispute but avoided the issues I brought forth repeatedly. I have attached two copies of letters I received from TransUnion on XX/XX/2021 and XX/XX/2021 as well as a copy of the webpages from XX/XX/2021 showing NO option to dispute any inquiry. The word " DELETE '' is next to each item that is to be disputed, however this option is not listed under the " inquiries '' section of the dispute pages. This is a violation of the FCRA.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IL)

XXXX. On XX/XX/22 theres a {$310.00} unauthorized charge without a merchant name. When I call I am just left on hold. I can not tell if there was a credit because Wells Fargo refuses to allow me search for numbers on online banking. 
XXXX. Also wellsfargo illegally stole money out of my safe box when it was paid. 
This is never addressed by Wells Fargo.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. I wrote multiple letters and online dispute to Equifax bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.
Consumer complaint received 2021-01-07
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. (SC)

I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.
Consumer complaint received 2019-08-20
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (SC)

On Monday XX/XX/2019 at XXXX EST I spoke with XXXX XXXX in the Rate Reduction Program Department. I advised her of my concern. She asked a couple of questions regarding my request to apply to the rate reduction program. Follow a brief hold she provided the results of the review. I was not satisfied as the rate of 5 percent increased to 8.5 percent. Once I challenged the rate increased her behavior became very aggressive thus making me become very assertive. She would not provide any details around the rate reduction programs and declined to provide any feedback around the changes to the program, noting this she does not have to disclose that information to me. I feel Navient/Sallie Mae takes advantage of their clients. As a result my payment has increased from {$430.00} to {$530.00}. This is absurd and I don't know how to combat this. I was very vulnerable so I gave in to the new payment as the regular payment is around {$700.00} a month. Please Help!! Sallie Mae/Navient is really taking advantage of their clients. I don't know how they are allowed to continue to service loans.
Consumer complaint received 2018-02-28
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: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, CHEXXXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL XXXX XXXX XXXX AND GO XXXX XXXX WHILE XXXX XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion is reporting these addresses that I have never lived at : XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  is reporting these addresses that I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I opened 2 disputes on XX/XX/2020. They were 2 charges for {$400.00} for a hotel that agreed to refund the deposit based on recorded calls Citibank still has not closed or resolved my complaints as of XX/XX/2020. As of this date, this is 266 days after the disputes were open. This is in violation of the Fair Credit Billing Act that states disputes must be resolved within 90 days or 2 billing cycles of the opening of the dispute.The Citibank agent I spoke with on XX/XX/2020 said the disputes were closed on XX/XX/2020 which is 98 day after the disputes were opened, which is also in violation of the 90 day limit. I have called over 15 times trying to resolve this dispute. All but the very first call have been recorded. Screenshots of the online account information have been saved that show the disputes open 266 days after starting the dispute process. 

The screenshot attached is from today, XX/XX/2020.
Consumer complaint received 2018-02-28
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. (NJ)

I took out an auto loan with XXXX on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on XXXX payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CA)

Contacted the bank thru message center, no reply. 
paid off credit card a/c 's on XX/XX/20 unable to access auto pay settings on the banks website to manage autopay. 
can not make the change needed bank charging interest on XXXX balance, making debits
Consumer complaint received 2020-11-23
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. (PA)

XX/XX/2020 I requested verification of Bankruptcy from the Three Credit Reporting Agencies ( XXXXx, Experian and XXXX ). I did not receive an answer from any of the Three Agencies. 

XX/XX/2020, I requested and received confirmation from US Bankruptcy Court XXXX District of New York that they do not verify or report Bankruptcy filings to Credit Reporting Agencies. 

XX/XX/2020, I contacted XXXX XXXX for a Full File Disclosure. 
XX/XX/2020 XXXX XXXX provided verification regarding re investigation results and removed 3 bankruptcy cases from my XXXX XXXX Report. 

XX/XX/XXXX, sent Bankruptcy Court Letter, XXXX XXXX Report to Experian, XXXX and XXXX XXXX to remove the Bankruptcies from my Credit Report. 

XX/XX/2020 received a letter from XXXX stating that they verified Bankruptcies with the US Bankruptcy Court XXXX District of NY and with XXXX XXXX and did not remove the incorrect and inaccurate Public Information.
Consumer complaint received 2017-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (FL)

my wife and I own three account with this bank for over three year. XXXX XXXX XXXX XXXX XXXX failed to accept us as good loyal customer. we guess it because both of our age on or about XX/XX/XXXXXXXX we request a credit increase of XXXX for XXXX for our grandkid and was denied why? just because of a credit score which in fact they cause the account was open inXX/XX/XXXX with a XXXX credit line with a income home of XXXX. and a mortgage payment of XXXX and XXXX XXXX equity in our home both car pay for and over a million dollar in assets and about XXXX XXXX in credit card per month payment but frist nation bank charge us a month XXXX interest on one card that they reduce for no reason at all. that card had a credit line XXXX and they reduce that line XXXX that drop the credit score about 32. that put any one into a high credit usage now with this card that we ask for an increase that usage is about 71 %. think it unfair for the bank to say that they are not discrimination, and what they are done tell you what you can do with out re-evaluate history as a paid customer. it wrong and unfair to denied a person credit increase for XXXX went you are take XXXX XXXX a month interest went that customer never being late. never failed on his schedule payment in a total 48 month on time ever month. that unfair and treat wrong in ever level of business particle for a bank that a customer have never not pay there month statement. I challenge XXXX XXXX XXXX XXXX to examine my and my wife payment history with this bank. and if you find any error in payment history please contact us and we will pay this account out and closed. that is for any account hold in my name. and for this bank to denied me a increase of XXXX to purchase XXXX  and with the payment history with bank I.am not an attorney but something is wrong with this picture.
Consumer complaint received 2021-04-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This collection agency is reporting to all three bureaus ( XXXX XXXX  and XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
Consumer complaint received 2018-02-28
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. (IL)

On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''. However, there are several Fair Credit Reporting Act violations XXXX advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
Consumer complaint received 2020-10-28
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. (GA)

I filed a complaint for Transunion to verify some that were of question on my credit report. They continue to report information in my report without verification method being reveal, further more the items that were listed in my complaint, back in XXXX has items that were listed as an Identy theft issue was pulled off the report in XXXX and then reappeared XXXX XXXX. This is unacceptable as I wrote a letter stating my concerns and they did not respond. I know that if a reporting company has to reinsert a item back on the report, they need to contact the consumer within five business days before doing so. They did not practice the FCRA Law and it is creating many issues for me. I had to hire a Attorney, because the company act as if I have no rights to question the valdility of information on my report when FCRA laws clearly state that I can.

I ask for all this information to prove that the account belongs to me and they have not provided it to me and they are still reporting the damaging information. One being a XXXX  XXXX XXXX Account. NO INFORMATION ABOUT THE ACCOUNT AND ITS VALIDITY AND IT BEEN 2 MONTHS.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX sold an invalid debt to Midland Credit Management and now Midland Credit Management is threatening to sue for this debt. I never opened this account, never authorized this account or had any knowledge of this account. I was first made aware of the situation when it first appeared on my credit report in XX/XX/XXXX. The account showed that it was already XXXX  days past due even though it was not reported on my credit reports in previous months. I then did research and learned how to dispute the false account. In XX/XX/XXXX, I mailed multiple dispute letters via certified mail to XXXX requesting they remove the account and provide details and statements so that I could better challenge this debt. I did not receive any of the requested information from XXXX I challenged the information directly with the credit reporting agencies and after their investigations, all XXXX deleted the fraudulent account from my credit files in XX/XX/XXXX. 

XX/XX/XXXX this account resurfaced on my credit reports as a collection account by Midland Credit Management. I received a notice dated XX/XX/XXXX from Midland Credit Management that threatened to sue me if I did not pay by XX/XX/XXXX. I have filed disputes with Midland Credit Management thru their website and sent a dispute letter via USPS today. I have also challenged this account thru the credit reporting agencies. I don't have confidence that they will correct this issue in a timely manner ( if at all ) since they are so quick to threaten legal action. I ask that you intercede to right this unfair collection action by both XXXX and Midland Credit Management.