davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (GA)

My purse was snatched with all of my Identification information in it. I called and spoke with a representative and explained what happened. They instructed me to send in a identity theft with the information that was created by the thief to have that deleted from my credit report.
Consumer complaint received 2020-05-08
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. (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Along with a plethora of fraudulent credit inquiries.
Consumer complaint received 2020-05-08
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: Sequium Asset Solutions, LLC (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Sequium Asset Solutions. Along with a plethora of fraudulent credit inquiries.
Consumer complaint received 2022-01-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

XX/XX/XXXX Received letter from BMO Harris Bank stating they engaged XXXX XXXX XXXX XXXXXXXX as the Loan Servicing Dept for BMO. They advised if mortgage payments are through Internal Transfer, which mine is, to update on after XX/XX/XXXX. I updated on XX/XX/XXXX. 

XX/XX/XXXX I received a letter dated XX/XX/XXXX on BMO letterhead stating I owed {$920.00} for my XXXX payment and XXXX payment, both payments were made internally through BMO on the XXXX of each month. 

XX/XX/XXXX I called and spoke with XXXX who advised she did see my XXXX payment but did not see XXXX 's payment. She transferred me to supervisor XXXX who had me send PROOF OF PAYMENT to their Cashier Dept email. Since this is internal transfer from the bank I sent my bank statements showing transfer for XXXX and XXXX both were internally transferred out of my account on the XXXX. XXXX advised after I emailed I would be contacted within 7 days. 

XX/XX/XXXX I was never contacted by BMO or servicing Dept XXXX so I called and got another supervisor XXXX. XXXX advised they did received my email of proof and all was resolved and my loan amount changed from XXXX to {$460.00} in XXXX so I would just pay the difference. 

XX/XX/XXXX Never received letter so contacted BMO servicing dept XXXX again and spoke with XXXX. XXXX advised I owe for XXXX .... so we are back to square one. Transferred to Supervisor XXXX who advised yes I owe XXXX they do not see XX/XX/XXXX payment and it would be resolved by XX/XX/XXXX XX/XX/XXXX Spoke with XXXX who advised I owe now for XXXX and XXXX ... asked for Supervisor and got disconnected. 

Since BMO was to transfer all information to the Servicing department on XX/XX/XXXX they dropped the ball and apparently did not send my data .... however, BMO Bank just keeps sending me to the Servicing dept who keeps stating I owe for two months when this is and has always been an internal transfer from my account to the Mortgage Company through the BMO Banking System.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

XXXX XXXX had one of their techs come pick up equipment at my home and never sent a final bill and then all of a sudden a debt collection shows up on my credit report. I thought that was illegal!! Also, my bill was only {$350.00}, not {$580.00}!!
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (UT)

XXXX - A new entry appeared on my XXXX credit report for : I C System Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Amount {$250.00} I do not owe any debts that I 'm aware of, nothing past due. When contacting the company, they refuse to share any information about this unless I provide my sensitive personal information ( full name, address, DOB, SSN ). I 'm not comfortable providing this information to some unknown company that just dinged my credit report. I have not received any prior mail, email, or phone call regarding this alleged debt. Do I have any recourse other than paying an attorney to dig into this?
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion should not be reporting that I am ( 120 )  days late on the DEPT OF ED/XXXX partial account numbers : XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I  have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2017-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (MD)

My debt with XXXX XXXX was {$150.00}, The night of my visit i paid {$4.00}, then after {$25.00}, subsequently I set up bill pay through my bank XXXX. making 4 payments of {$34.00} each, which total sum is $ {$160.00}, over paying XXXX XXXX by {$11.00}. XXXX XXXX had my XX/XX/XXXX payment missing from there record, they send the record they have to a collection agency, Namely XXXX XXXX. I contacted XXXX XXXX several time, sending them the correct info. but they  never get it fixed. I call XXXX XXXX, they told me that it will not fixed using my banks statement only has verification, i need to send copies of the check from bill pay, so i when and get hard copy of the check and send it to XXXX XXXX, but neither XXXX XXXX nor XXXX XXXX never contacted me. all that was done, was that the amount they had on file saying i owed was reduce to {$39.00}. I was denied credit because of this
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MECHANICS BANK (CA)

I have rights under 15 USC 1681. XXXX  is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of 2022 XXXX  illegally repossessed a vehicle I had with them. Mechanics bank then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX Original creditor name : XXXXXXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : Online In Sv Original creditor name : XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX 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 Balance XXXX {$82.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00}
Consumer complaint received 2020-11-20
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: Experian Information Solutions Inc. (CA)

I wrote to the Attorney General about this erroneous debt collection from XXXX XXXX XXXX. I had 2 auto loans during the period of XXXX to XXXX and was overcharged and taken advantage of for having poor credit, being charged over 23 and 26 %. I reported this to the Office of the Attorney General and was supposed to be included in a Class Action Lawsuit led by Office of the Attorney General in Illinois and XXXX XXXX was ordered to be the Administrator and they sent out notices for money damages and also consumers would be allowed to keep their current vehicles and others have their past loans forgiven by having their credit reporting be removed. I am a part of the class action and I got a letter from the Attorney General 's Office in CA and have sent them several emails and certified letters that XXXX was NOT removing their collection of over {$13000.00} from my credit report. To this date, it still shows up on ALL my 3 credit reports. I have written to ALL the credit bureau agencies and showed them this letter and they also continue to break the reporting laws and XXXX continues to be defiant and harass me and ruin my life by failing to remove this from my credit reports. I can not get any good decent job for almost 7 years now and I can not buy any decent car nor a decent home with the poor credit. I want money damages for this and immediate removal from my credit reports. I want CFPB to enforce the laws and help me with this!
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-01-30
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 discovered that the same accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6200.00}, XXXX XXXX  XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX BANK # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX BANK XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

In XX/XX/XXXX I did fill an application in an apartment complex called XXXX XXXX XXXX located in XXXX XXXX, Texas but they told me that this apartment is no longer available for renovation and that they will return my money back ( the {$150.00} application fee ) a month later XX/XX/XXXX got a mail from a company called ProCollect located in XXXX, Texas shows that my account with the XXXXXXXX XXXX XXXX has been referred to them for collection!! Amount due is {$180.00} and {$7.00} collection fee!! I did try to explain that theres a mistake and theyre not listening, I contacted the apartment complex to let them know they apologized and promised to fix that problem but they didnt and till nw this collectors company keep harassing me on daily basis and threatening me
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts Reason This collection is not my account. 

XXXX XXXX XXXX  This collection is not my account. 

XXXX XXXXXXXX XXXX XXXXXXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 and XX/XX/2021, money was taken out of my chase account. The amounts were {$270.00}, {$29.00} and {$68.00}. I did not authorize these charges. Someone hacked into my account. XXXX reimbursed me, a few days later, then on XX/XX/XXXX, they swiped it out again. I did not authorize these transactions at all and when I spoke to chase, on XX/XX/XXXX, they refused to help me. I want my money back.
Consumer complaint received 2020-11-20
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: EQUIFAX, INC. (CA)

I wrote to the Attorney General about this erroneous debt collection from XXXX XXXX XXXX. I had 2 auto loans during the period of XXXX to XXXX and was overcharged and taken advantage of for having poor credit, being charged over 23 and 26 %. I reported this to the Office of the Attorney General and was supposed to be included in a Class Action Lawsuit led by Office of the Attorney General in Illinois and XXXX XXXX was ordered to be the Administrator and they sent out notices for money damages and also consumers would be allowed to keep their current vehicles and others have their past loans forgiven by having their credit reporting be removed. I am a part of the class action and I got a letter from the Attorney General 's Office in CA and have sent them several emails and certified letters that XXXX was NOT removing their collection of over {$13000.00} from my credit report. To this date, it still shows up on ALL my 3 credit reports. I have written to ALL the credit bureau agencies and showed them this letter and they also continue to break the reporting laws and XXXX continues to be defiant and harass me and ruin my life by failing to remove this from my credit reports. I can not get any good decent job for almost 7 years now and I can not buy any decent car nor a decent home with the poor credit. I want money damages for this and immediate removal from my credit reports. I want CFPB to enforce the laws and help me with this!
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (AR)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it has been more than 30 days, and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.