davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-09-14
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. (CA)

I disputed a fraudulent bankruptcy with all the credit reporting agencies including with the court of Bankruptcy and the public records office of XXXX. The court and XXXX sent me a resolution after a thorough investigation that and confirmed with their records that I have been a victim of identity theft and the fraudulent bankruptcy must delete from all the credit reporting agencies. However, the bankruptcy yet is being reported by none other than the XXXX credit reporting agency falsifying their claims that the bankruptcy is accurate. I have documents that support my claim from the court and the public records office. Yet, XXXX, XXXX, and Equifax refuses to file for a removal of this fraudulent tradeline out of my records and claim the court records are inaccurate or sometimes they claim they are " investigation '' or " disputing '' and when the status of the dispute is checked online, they haven't taken any actions. The mentioned credit bureaus must face immediate disciplinary actions set by the law for filing/reporting inaccurate information on the consumer 's credit report. They have the duties of reporting accurate information and once the data furnisher claims the error and informs them to be removed or informs the consumer that the data furnisher was inaccurate with their reporting. The credit bureau must revise the reports under applicable law of the United States of FCRA Subsection 605 ( B ). This complaint is directed to all the credit bureaus that are neglecting in their duties and ruining consumer 's credit reports which their negligence costs us our financial credibility.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXXXXXX on XX/XX/XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.
Consumer complaint received 2020-09-14
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. (CA)

In XX/XX/2020 I file dispute letters to all 3 credit bureaus I have yet to receive anything from them. I understand with covid goin on things are slow but taking over three months to reply is not accpectable.
Consumer complaint received 2021-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (TX)

I'm still in school and scheduled to graduate with aXX/XX/XXXXdegree in XX/XX/XXXX from XX/XX/XXXX. The issue is that XXXX XX/XX/XXXX XXXX First Mark Services ) is expecting my repayment of the loan to start in XX/XX/XXXX. They are constantly calling my co-signor daily asking to pay for payment, that according to them it is due now. My co-signor is a XXXX XX/XX/XXXX who is very busy with her patients. 

I have called numerous times to have them fix this issue, which looks like a minor issue with their system. I have also asked my university to send verification for my graduation date. They did that on XX/XX/XXXX via an email to customer support. Whenever I call, they say it shouldn't be an issue going forward, but the harassment calls have not stopped. I also, added my father so he can speak to a manager as my co-signor or I do not have time for long waits. My dad did call yesterday and spoke to a manager by the name of XXXX and she said that all is resolved and they have also received confirmation from my university. My dad also asked to send an email to me and the co-signor confirming everything is resolved at their end. So far we have not received any email from the manager. 

Seems like one department does not talk to the other and they are too lazy to correct the issue with the collection department. The issue is where it was 4-5 months ago. 

I'm forced to report this else whereas I'm running out of options. I did see multiple complaints about First Mark on XX/XX/XXXXsite with similar issues to mine Please help!
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Research & Recovery, Inc. (CA)

I XXXX XXXX purchase a pet from XXXX XXXX in XXXX, FL and he was about 4 months old I call to speak with the doctor after taking him to my physician. I advise them the dog had a XXXX and i didn't want to keep him they advise the dog has to be return in 2 days. I advise I didn't want any part of the contract they had me sign and that they were ripping me off just to get the dog off there hands so I spoke with someone from this company advise the dog got sick I couldn't afford him that way and he was taken to XXXX XXXX where they didn't know what was going on without charging {$600.00} to {$700.00} for everything to be check out on the puppy so the following month he past I advise the gentlemen that call and he said ok let me see if i can get a settlement on the account. I never heard back from this company two months later got a call from the same person he was being rude saying you need to pay the bill and advise not paying you all went from {$2000.00}. with 5 payments of {$240.00} a month to now {$4800.00}. That is being reported and it was charge off at XXXX so I '' m filing a complaint on XXXX and the credit reporting agency 's XXXX   This is the email trail to the company never receive one letter. 
XXXX via XXXX XX/XX/17 to me Account Number ... XXXX Merchant Name.XXXX XXXX Dear XXXX, Your monthly XXXX statement is now available for viewing. You may access your statement by visiting XXXX 
For your convenience, and to avoid potential late fees, you can setup your payments to be made automatically from either your checking account or debit/credit card. Please login to XXXX  or contact Customer Service to establish an automated monthly payment schedule that is convenient for you. 
If you have questions regarding your account, please contact Customer Service at XXXX during our office hours listed below. 

Regards, Customer Service XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX PT Monday-Friday XXXX PT Saturday They also block the payment site so I wouldn't able to know what owe and this after 2 1/2 months of not paying this company. Puppy mills should be close down because you never know what kind of puppy you will have.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account # ending in XXXX for XXXX  XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX, Acct name XXXX 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.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

I received the tax refund middle class but when I activated it from the total amount they withdraw money {$350.00} were approved but it only had {$140.00} the rest is missing and the company o bank doesn't fix the problem yet.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (IN)

I received a letter from PNC Bank stating my account would be closed on XX/XX/2021 but no reason was listed, just instructions on the closure of the account and debit card associated with it. Called the XXXX number and spoke to a representative that informed me my account is being closed due to the branch filing a complaint referencing rude/sexual comments. Shocked at the news, I wanted to discuss with the branch manager to find out why this is happening, and to also bring up to attention that this is untrue and maybe a mistake. Branch manager XXXX XXXX was not willing to discuss any details, and just kept referencing me back to the XXXX number ( whom referred me to the branch manager initially ). Needless to say nothing has been accomplished. I am extremely offended that something like this would be reported on myself, and that I can not even defend myself so that I don't have to go through the hassle of not only having to find a new financial institution, but to have to transfer all automatic debits/deposits as well. I am elderly and this is not easy for a person like myself to accomplish.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (OH)

Hello, I am filing this complaint against the XXXX  credit reporting agency and XXXX XXXX XXXX regarding an erroneous collections account listed with Fidelity on behalf of my previous apartment leasing company. They are attempting to collect rent for months that I have proven I was not living at the apartment, and I also gave ample notice to the landlord that I was going to be moving out of the property. 

I first gave notice to the landlord in XX/XX/XXXX, and then again in XX/XX/XXXX. I had completely moved from the property and was at my new residence by XX/XX/XXXX. The leasing company is trying to say that I was " under contract '' through XX/XX/XXXX, but Ohio courts consistently rule that the landlord has a duty to mitigate and find a new tenant whenever a previous tenant moves out of the property. Even in cases where the tenant vacates only a few months after their initial move-in date, and then only gave as little as three days notice to vacate, the courts still rule with the tenant as long as they have removed all of their belongings from the apartment and are no longer residing there. In my case I had been living at the property since XX/XX/XXXX and first gave notice in XX/XX/XXXX that I was going to be moving out, with another written notice by US Certified Mail in XXXX of XXXX. Since I still had my {$400.00} security deposit on file with the leasing company and had not received it back, I was paid through most of the month of XX/XX/XXXX since the monthly rent amount was {$460.00}. It could even be argued that they still owe me a portion of this security deposit since I had all of my belongings removed by XX/XX/XXXX. In addition, the property is located in a well populated suburb of XXXX where the landlord would have no problem finding a new tenant if they had put forth any kind of reasonable effort to do so. 

I have attached several documents to this complaint asserting that I had indeed moved out by the beginning of XX/XX/XXXX and had given notice that I was doing so. I have also attached supporting court documents showing that I, the tenant, am indeed not liable for any rent after that point. I appreciate any help you can provide me on this since I have presented this info to both XXXX  and Fidelity requesting them to remove the collections account from my credit report and they have thus far been uncooperative in doing so. Thank you and have a nice day.
Consumer complaint received 2017-08-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (CO)

I am looking to get a late payment removed from my credit history that occurred XXXX of 2017. I attempted to make this payment four times. The first three were unsuccessful because the account could not be verified. Im unsure the reason for this but I then changed to another bank account the third time and it still did not go through. Finally the fourth attempt at paying my mortgage it went through although this was after the end of XXXX. I am currently in the process of trying to refinance and in order to do this I need to resolve this issue. Any help or advice on this matter would be greatly appreciated.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (GA)

I WAS CONTACTED FROM THIS DEBT COLLECTOR ACCUSING ME OF HAVING THIS DEBT AND THREATENED ME TO FLAG MY ACCOUNT WHICH THEY DID XXXX DAYS LATTER THAT DAMAGED MY CONSUMER REPORT AND MY IDENTITY. I NEVER SIGNED ANY CONTRACT NOR ALLOED THEM TO HAVE MY INFORMATIONS WHAT SO EVER. COMAPNY NAME IS VANCE AND HUFFMAN LLC XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2020-09-14
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. (TX)

I have sent Affidavits to TransUnion, XXXX, and XXXX by certified mail asking for proof of Contract with two wet signatures from both parties stating that I am Contracted to pay Child support and have it report on my credit report. I was never provided the evidence and neither credit agency removed the Account, I also have Hard Inquiries that I have Disputed that are also Unauthorized because I never gave them permission with a wet signature to run my credit report and it still remains on my credit report. 

I received a copy of my credit report and found the following item ( s ) to  be errors. 
I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this account via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of verification that you and/or your staff used to verify and validate this account- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TMX Finance LLC (TN)

I XXXX XXXX XXXX went to titlemax loans in XXXX XXXX in XXXX Tennessee to apply for a loan. Titlemax insisted on taking my photograph for unknown reasons they never told me exactly how much my monthly payments are they never gave me any copies of the contract I signed they also failed to disclose how exactly the payoff process works. I was also coerced into leaving a positive XXXX review by being threatened that if I didn't that I would be rejected for a loan. I now feel trapped into a toxic loan situation of which I wasn't informed of many details if anything as well as being denied document copies and being coerced by financial threatening me. The loan XXXX I spoke to was XXXX XXXX XXXX I believe him to be a leadership personnel.
Consumer complaint received 2022-04-05
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. (TX)

According to the fcra these inaccurate negative accounts must be removed from my credit report asap incorrect names and addresses My correct name is XXXX XXXX XXXX young my correct address is XXXX XXXX XXXX XXXX tx XXXX incorrect names XXXX XXXX XXXX XXXX XXXX XXXX incorrect addresses XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

Received a letter from the company ( commonwealth financial systems ) on XX/XX/XXXX ( letter dated XX/XX/XXXX ). Sent company a letter requesting validation of original debt and got no reply. When checking my credit score, I noticed the company reported the debt so I called to ask why it was reported though I never received any followup information. Was told the letter was sent but it was most likely the same as original letter ( again never received any followup, letter or otherwise ). Now I am being told that an itemized list will be sent however the debt will still be on my credit score.
Consumer complaint received 2018-07-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Innovate Managed Holdings, LLC (TN)

This company calls me everyday at XXXX XXXX XXXX XXXX XXXX, repeated calls daily even after i arranged payments on XX/XX/XXXX and was told to call back in two weeks. On XX/XX/XXXX i received 3 calls in 2 hours from this company! Each time i answer its someone always saying they have to make a note because  they dont see the other notes.
Consumer complaint received 2018-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from XXXX, Transunion and XXXX. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.
Consumer complaint received 2022-04-05
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. (IN)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 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 plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Garcadia Financial LLC (GA)

In accordance with 15 U.S. Code 1635, I, the alleged obligor, am hereby exercising my right to rescind the credit transaction which was allegedly executed on XX/XX/2021 for an auto refinance loan with a total of {$19000.00} between myself and Foursight Capital. This is because, Foursight Capital, the creditor, did not " clearly and conspicuously '' disclose, in accordance with regulations of the bureau, to me the alleged obligor, my right of rescission under 15 U.S. Code 1635. 

Note : this loan was first owned by XXXX XXXX XXXX who then sold loan to Foursight Capital.