davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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. (GA)

i was a victim of identity thief i contacted credit bureau with police statement that my info was stolen and they wont remove. those are not my inquiries also reported with Federal Trade Commissions not sure why they wont remove associated credit XXXX XXXX XXXX sales XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have filed several for disputes on experian for the past 4 month about a medical collection of {$2900.00} from XXXX XXXX and it keeps saying verified but they didnt send me a method of verification after I have requested severally. One of the agent I spoke to said they are not required to send the proof they only use what they are told by collections. I had also called the collections agency on XX/XX/XXXX and asked them to verify the debt but the person I spoke to said he would email me but I never got any email. The email of the person I spoke to was on XX/XX/XXXX was XXXX. I informed experian about this after my most recent dispute came out as verified ; the person I spoke to named XXXX on XX/XX/XXXX. Was saying that theres nothing he can do as the debt is verified. He wouldnt even help me do another dispute over the phone. He says I have to call the company and I told him I had called them to verify debt multiple times after going back and forth he said sorry have a great day. This is very frustrating because Ive been on this for a while and both parties without verification claims that I owe them but cant send me anything. I have written several letters and called them and they keep saying the same thing. Attached is a copy of the email I sent to the collections agent when I was on the phone with him. Please help. This is preventing me from getting products that I would like to get. Sorry for the grammatical errors if any as English is not my first language. Thanks
Consumer complaint received 2019-08-15
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. (NY)

please review the following fraudulent inquiries on my credit report XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2020-09-05
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: EQUIFAX, INC. (VA)

I filed a dispute with Equifax of XX/XX/2020 and received an email the same day stating my confirmation number as well as notification that I would receive results in 30 days. Today is XX/XX/XXXX and I still have not received results from Equifax. I have logged into their website and it still shows my dispute as being active. A representative has admittedly stated there is nothing they can do to assist me even though they have failed to communicate and update the accounts. An investigation was completed nearly a month ago and Equifax does not have any records or proof that they have EVEN attempted to contact me concerning my dispute. This is completely unacceptable and they are in violation of the FTC guidelines to notify their consumers within 5 days of receiving results. I expect these derogatory marks to be removed from my credit report immediately. The attached file is a screenshot from today XX/XX/XXXX taken at XXXX after I logged onto Equifax website
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (IA)

I purchased a bed from XXXX XXXX one year ago and gave all my information to sales person. Later I found out she had put XXXX XXXX as city and not XXXX XXXX XXXX, which caused this whole issue. I was never notified that XXXX XXXX financed the purchase from XXXX XXXX since the address information was transferred was incorrect. I have attached the letter I sent to XXXX XXXX, and when I called to asked for status on this, they informed me that is was now with another lender. 
I have also disputed with XXXX, but they have advised to contact Consumer Finance and not sure where to go next, but this has ruined my perfect credit.
Consumer complaint received 2023-01-09
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a student and I have an account with Bank of America. My account was compromised and a deposit was made to the account. The person/s who made the deposit attempted to withdraw the funds using a debit card. The transaction did not go through because in the interim the bank placed a hold on the account. my payroll goes into the account and is being held by the bank
Consumer complaint received 2020-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and TransUnion only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

I did business with XXXX XXXX XXXX XXXX, and terminated my business with them in XX/XX/XXXX. They sent me a bill which was inaccurate, and I challenged them on the charges without response. XXXX XXXX XXXX hired Credence Resource Management LLC ; for which this complaint is against. I did not contact Credence directly ; but instead disputed the hit on my credit file with XXXX on XX/XX/XXXX. XXXX denied the dispute on XX/XX/XXXX stating Credence had proven the debt. 

Credence sent me altered XXXX XXXX XXXX documents on XX/XX/XXXX, with obvious cut and paste portions to make it appear the bills were sent to me by XXXX XXXX XXXX in XX/XX/XXXX ;  which they were not. I did a photo-scan of all the documents with notes and submitted them back to XXXX today ; XX/XX/XXXX to reopen and investigate not only the claim, but also the fraud Credence was trying to pass. I have not received any direct correspondence from XXXX XXXX XXXX for years, and my numbers and address have not changed in over 10 years. 

I would like to have my credit file corrected, and Credence investigated and penalized for fraud.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (SC)

XXXX and XXXX are still negatively reporting 4 student loans from Navient on my reports whereas XXXX has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.
Consumer complaint received 2023-06-10
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. (LA)

I Have Not supplied Proof Under the doctrine of Estoppel by silence, Engelhardt V. Gravens ( My 281 SW 715, 719, I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-06-04
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. (FL)

Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if fraud
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/19 I deposited {$140.00} dollars to pay my car insurance bill around XXXX XXXX exact into my new bank of america card and instead of an employee putting a sign stating the ATM is broken or not taking cash deposits, they let people deposit their cash and later on the ATM prints out a receipt stating that they can not process my request or return my items and to call a number provided from bank of america. They told me to wait two business days and now I was told 48 more hours or till the XXXX of XXXX, or even 45 business days. It's ridiculous how I have to wait for my money to get credited in my account, which now I'm late paying my car insurance because of this bank 's employees. 2 weeks before this, I deposited my check from my job. I was told it'd be one business day, I called bank of america and they told me till Monday then I called Monday and the money took a whole week on Friday to release the hold on my funds. I've only had this bank for a month and they always hold my funds. They don't want to release the XXXX.
Consumer complaint received 2019-08-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I am unable to lower my student loan payments to an amount that is reasonable for some of my private loans. I have some private loans with Navient and some with Sallie Mae ( we were also not told and were not aware that these companies split and took put half of my loans with each provider ). They will not allow me to enter a lower payment plan, and only offered me temporary forbearance which will inevitably make my debt higher. I was on a lower monthly payment plan paying approximately {$390.00} on my Navient private loans ( which mind you does not include the Sallie Mae {$400.00} payments or my federal loan payments ).  They are not telling me that I owe over {$700.00} a month on thee private loans. I have not been given any option aside from forbearance, or interest only payments which are still north of {$650.00} a month. 

This month, XX/XX/2019, I also received two emails within the same week stating that I owe two different amounts on my loans. It does not provide any context or clarity as to why I have received two separate statement. 

I should not have only been offered forbearance OR interest only payments which would not count towards my principal balance. These options do nothing but put myself as the borrower in a terrible position. Not only can I not afford what is being offered, going into forbearance will only cause my loans to increase.
Consumer complaint received 2019-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I applied for a HELOC Line of Credit with Huntington Mortgage. 

I gave them permission to do a 'hard credit check ' I was in the assumption that it would be just one inquiry They pulled by credit in XXXX of 2019 and found my score was a ( 7XX )  not shown for privacy Based of of the initial credit pull they offered me a rate of X.X % ( ( fact a hard credit pull does lower your score ) ) they then pulled my score about a month later in XXXX of 2019 and then said because the score lowered by X points the new offer of credit would have a higher rate
Consumer complaint received 2020-09-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (NY)

In XXXX of 2019 I opened a CITI BANK credit card. Recently they put a late payment on my account. This was an auto bill pay issue and the bank recognized this as a problem on their behalf. I have disputed this issue and I am still waiting for this to be resolved. This is now on all three of my bureaus and has greatly lowered my score.
Consumer complaint received 2020-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IN)

In the summer of 2020, around XXXX of 2020 I lost my debit card for my Chime checking account. I didnt know I lost it and had been using it as an account that I can save money in. Apparently someone was using my debit card and committing fraud on my account. When I went to see how much money was saved I saw my account balance was low and had found many charges on my account within a 2 week period had been charged in my account. I immediately called chime bank and told them of this. I was never credited the money back and was told that because it was used at places that were not over 100 miles away and that money was coming and going and thats normal that I wouldnt receive my funds back. I sent them information proving I was out of state during these transactions and they still will not give me my money back.
Consumer complaint received 2022-04-03
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. (TN)

My name is XXXX XXXX, I am the natural person, creditor and consumer according to 15 USC 1692a ( 3 ) and I have sent letters and called to report identity theft on my consumer report regarding the list of inquiries. I am calling you to tell you that I do not want these inquiries on my consumer report, please remove them in pursuant to 15 USC 1681c-2 blocking of information resulting from identity theft. I have never given my written permission to allow Equifax to report such inquiries on my behalf. Pursuant to 15 USC1681 ( 4 ) you reporting inaccurate information without my written consent is violating my right to privacy and also my reporting these inquiries pursuant to 15 USC1681b you are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file and as a consumer, I demand you to remove the inquiries pursuant to 15 USC 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related. The fraudulent XXXX hard inquiries are from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/2022. Please have them removed expeditiously, I did not apply to either. My credit report is inconsistent because of these issue. XXXX and XXXX do not display these hard inquiries due to identity theft.
Consumer complaint received 2020-09-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2020 I sent in a dispute to Experian for XXXX/XXXX  acct XXXX informing them that the date of last activity was incorrect. Also informtin them that the comments were different for each credit bureau. They then came back to say that the information was verified, then on XX/XX/2020 asked them how they verified this account without any information provided to me as the consumer they gave no reasoning just updated as verified. I don't understand how 3 credit bureaus that is suppose to reporting the same information from the same creditors are all reporting differently, this is showing pure neglect for a consumer and inaccurracies which they refuse to follow the FCRA guidelines on accurate reporting and continue to be in violation.  Then on XX/XX/2020 Experian was sent a dispute letter informing them that they have this collection account for XXXX   XXXX on my reporting showing late payments which a collection account should not show being that a collection account is by default derogatory and something needs to be done about this. Attached is showing my proof of dispute letters sent and proof of the inconsistencies and errors being reported
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CT)

Tried to refinance. But Wells Fargo screwed up paperwork. XXXX was supposed to include insurance but they made a mistake. Didn't find out until I didn't pay my house insurance and it got cancelled because neither did Wells Fargo didn't secure the insurance. Lots of issues with Wells Fargo. Sold mortgage 3 times no communication. Never let me get our belongings and house sold without notifying us of foreclosure or court date. XXXX and not able to do much after the fact.
Consumer complaint received 2022-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (GA)

I recently received notification that a collection was added to my report in the amount of {$1400.00} by Nationwide Recovery Systems. I received no notification of this prior to it being placed for collections. I later discovered that it was from an ER visit I made to XXXX XXXX XXXX for XXXX XXXX  sometime in the beginning of XX/XX/2019. 
I am XXXX and am insured by Medicare and at that time XXXX as a Medicare XXXX program that covered Emergency Room visits. XXXX XXXX was given this information at the time of my visit. I contacted this hospital recently and they have no record of any bills being owed to them. I then contacted Nationwide Recovery and they informed me that whether I had insurance at the time or not, was irrelevant and it was too late to furnish this information, they wanted payment in full and would continue to report this alleged debt as a collection to all the credit bureaus. They have ruined my credit and credit scores and I have even enlisted the help of XXXX in verifying that I was covered and to be billed like this is in fact a violation of the FCRA. Unless this debt is removed from my credit reports immediately, I intend on filing a lawsuit against both the hospital and this collection agency. I also requested verification of this debt and have not gotten any response.
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP (NJ)

A lawyers group called XXXX XXXX  XXXX phone number-XXXX executed a court order along with a XXXX XXXX from XXXX county nj to take XXXX dollars out of an old woman on social securities account for a credit card that was charged off of her credit report in XX/XX/XXXX. 
The credit card was supposedly used in XX/XX/XXXX. 
And most credit issues with cards are legally taken off within seven years. 
add- XX/XX/XXXX plus seven years. 
Also it is illegal to take money out of a social security account. 
The whole act was report to the department on aging. 
And the doj. Considering the womans constituants work at a credit department and had told the doj that there are people with XXXX dollars worth of debt- and they continue to receive all types of credit. 
The whole act seems discriminatory. 
This whole incident happened between XX/XX/XXXX and XX/XX/XXXX.