davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MI)

MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ). THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING.
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/2017 **XXXX XXXX XXXX XXXX XXXX, WI XXXX  Re : # **** To Whom It May Concern : This letter is regarding account # ****, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
# 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON XXXX/XXXX/2017.
# 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX/XXXX/17 AND RECEIVED BY ME ON XXXX/XXXX/17.
# 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX  ACCT XXXX XXXX ... XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX ACCT # XXXX ... XXXX  ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX shows up on my caller ID number XXXX calls all day and night to connect a credit card debt owed to bank or America. I answered two times both times explaining i am now out of work and will pay ASAP but ca n't do anything to i get another job which i am actively searching for. They told me that 's understandable and asked if they could check in from time to time. I replied fine but do n't call me more than maybe once a month which was agreed on. Ever since then from XXXX XXXX till XXXX XXXX  everyday i recieve countless calls harassing me about the same thing and everytime i ask for this to stop they say it 's not possible. I tried everything but they wo n't allow any peace at home.
Consumer complaint received 2022-02-19
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

I requested an Income Base d Repayment Plan to begin paying back this loan. I submitted the Income Based Repayment Plan application back to Nelnet along with my 2016 Tax return to confirm my annual salary which is only about {$ XXXX  }  a year. Nelnet keeps sending me  Emails demanding that I pay them {$1900.00} a month that I ca n't afford.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I filed bankruptcy and it was discharged Chapter XXXX on XX/XX/XXXX, but Experian is allowing a company called XXXX XXXX XXXX to report on my credit report. 
1. I have never signed contract nor done any business with this company, the company is reporting negative information on Experian for a debt that was included in my bankruptcy. The company XXXX apparently handles debt for XXXX or they are XXXX but the debt was discharged in bankruptcy court. 
Experian allow them to report as falling off XXXX, as due {$2000.00} and active debt. XXXX should not be reporting anything the debt was discharged. 
Experian was demanded to remove the debt all debt was forgiving. XXXX should be reporting as closed, current, {$00.00} and surely know date when it will be removed and XXXX should be removed off my credit all together. 

Experian is also reporting my history as NONE, but so long as they report my credit on there files they need to report the length I had the credit. I asked that this be corrected they have not complied. My credit history is 9years and 3 mths.
Consumer complaint received 2017-07-08
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. (NC)

XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and Equifax both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00. XXXX states they manually updated my correct Balance. You will also see in the screenshots that Equifax just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
Consumer complaint received 2018-01-20
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: Fidelity National Information Services, Inc. (FNIS) (CA)

It all started sometime back in XX/XX/XXXXwhen I was a loyal and good customer of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had my bank accounts at the two banks including my 2 checking accounts that this complaint is in reference to. On the same week in XXXX, a very small mistake was made at both banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. Before I was able to return back to XXXX XXXX to resolve the issue, both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Chex Systems. I have resolved the issue with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Chex Systems to remove the negative reporting. I also sent these letters to Chex Systems as proof. Chex Systems has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Chex Systems has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Chex Systems database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My mental health has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Chex Systems. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

UNDER THE FCRA LAW I would like the following inaccurate items removed from my credit report immediately. 

The following Name, Address, phone # & Social security # are NOT mine and would like them removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA 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 This address has pertained to a business : XXXX XXXX XXXX XXXX LA XXXX. 
RETAIL TRADE BUSINESS : XXXX XXXX XXXX, XXXX, LA, XXXX. 

THE ABOVE ADDRESS IS NOT MY BUSINESS. 

FCRA violation
Consumer complaint received 2018-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (FL)

On XX/XX/2017 I applied for a personal loan product with PNC. My application was denied at the time I had a XXXX XXXX  Score been working with the same job for three years, not in debt, and only had one credit card. I called and complained, my application was wrongfully denied because to me I'm a well qualified applicant. After not receiving the answers I was looking for I proceeded to ask how to go about removing the inquiry as a goodwill gesture since my application wasn't approved they told me to send in a detailed letter which I did and to wait for a response. PNC never responded to me, I called in to see what was the pending status of my request. After calling and calling I was told that the inquiry wouldn't be removed even though I did exactly what they asked. Mentioned by the last CSR I spoke to even though I may be a qualified applicant because of the banks " Conservative views '' my application wasn't approved.
Consumer complaint received 2022-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I Have New Updated Information On Pentagon Credit Union : I sent The Pentagon Credit Union an Notarized Affidavit Of XXXXruth for the 2nd time stating multiple violations and I responded back to their false statements via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm still demanding a response, a proof of validation, a proof of claim, details on what methods Pentagon Credit Union used to validate this alleged debt, and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth. Due to the failure of Pentagon Credit Union rebutting my Affidavit with an Affidavit they are now in default.
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (TX)

Refusing to provide original signed contact proofing account belongs to me. Provide proof of verification of this account. On top of obscenity threats to own and pay debt that doesnt belong to me.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I don't know the account numbers : Delete these accounts from my credit file because they were charge off 's and should not be inaccurately reporting a XXXX Balance : {$210.00} it's being reported on XXXX XXXX XXXX XXXX XXXX {$10000.00} its being reported on XXXX, XXXX, and Transunion. Both of those accounts been charged off. The companies filed for loss profits and received a tax write off. Investigate this matter immediately and remove this account from my credit report.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Filed complaint against capital one on XXXX.the complaint id number is XXXX.requested a  copy of the authentic signature of original contract and it was not provided.instead they opened a fraud investigation and I did not ask for a fraud investigation.applicable federal and state laws states that if requested documents not available that account has to be deleted off the credit reporting agencies.this is not a duplicate complaint as this company stated, this is a entirely different complaint.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AZ)

On my XXXX credit report, under my Wells Fargo Mortgage account. Incorrect remarks were added with a false statement that was not reported by me. It seems that Wells Fargo Mortgage placed these inaccurate remarks, which caused my credit score to be severally affected. I did not open a dispute regarding my Wells Fargo Mortgage account balance being Paid In Full in XX/XX/2022 with XXXX. I did not have any problems with the fixed rate. This seems unfair and severe to deduct some many points for an incorrect Remark.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust decided to close my account because my wife deposited her check in it and they took that as fraud! This bank told me that the account is under review and they will close it and send me a check for the balance and I have not received anything. I have spoke to many supervisors and they keep giving me the run around! I am not rich and now they have held three of my paychecks because they have not closed the account as they said they were doing over two weeks ago! I have kids and bills! This is crazy! Especially in this pandemic people need there hard earned money! They are not allowing me to take out money but they sure are quick to keep the deposits! The people I spoke to treated me like someone from the street with zero respect nor understanding. I want my money now! Stay clear of Suntrust! This has been going on since XX/XX/2021!
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I had my original mortgage with Wells Fargo. Since I was already a customer I decided to refinance with them on or about XX/XX/XXXX. On XX/XX/XXXX the mortgage refinance was still not completed. The problem was with a HELOC I had with XXXX XXXX. They needed XXXX  to subordinate the loan. They were not able to get that done in 9 months. Fortunately I have my XXXX  account Vice President at XXXX  and he took the time to contact the subordination group at XXXX  and told me flat out that is was an issue of negligence on the part of Wells Fargo for ignoring requests for information or sending information that was past the date that they could use it. On XX/XX/XXXX, I contacted another bank and they were able to complete the refinance in 28 days without a problem. The incredible delay caused me to have to pay an additional {$1500.00} a month in mortgage payments and a fee to get the new mortgage. I have the names and emails from every person that was involved in their negligence. I did get a letter from a Wells Fargo Case Specialists after I complained stating that they were not at fault.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NY)

I entered into a consumer credit transaction with TD Bank XX/XX/2019. A consumer credit transaction is a transaction which a finance charge is involved. Pursuant to 15 usc 1605 A finance charge is the sum of all charges in a consumer credit transaction. Because I know a finance charge is the sum of all charges I was not expecting to put {$500.00} down to extended credit.

TD BANK N.A has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d
( 1 )
Consumer complaint received 2018-01-19
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: JPMORGAN CHASE & CO. (PA)

On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies : Chase bank inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX with a balance of {$1100.00} ), ( XXXX XXXX  ), ( XXXX  with a balance of {$3000.00} XXXX ) has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions.