davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (TX)

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1800.00} Inquiry : XXXX XXXX, XXXX XXXX, XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 2023-01-09
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 — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC (TX)

I sent a dispute to XXXX more than 60 days ago and still no response I will like these accounts delete. This company never responded to my dispute for accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX did an investigation and deleted all 3 of these inaccurate accounts. It is this company 's duty by FCRA and FTC to report precise and accurate information. below are the results from the other 2 Consumer reporting agencies that deleted these accounts.
Consumer complaint received 2021-06-28
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: National Credit Systems,Inc. (GA)

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (TX)

XXXX is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX  XXXX not paying for their mistakes i have letters and asked for a fix
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " XXXX  XXXX XXXX '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when XXXX was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (VA)

I was called in XX/XX/XXXX by Sun trust Bank that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called sun trust as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with suntrust about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by suntrust in XX/XX/XXXX that all the reporting would be corrected.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

I had a secured credit card through Wellsfargo Bank. I was upgraded to a non secured card and my deposit was supposed to have been paid back to me. I was told that I should receive a check in the mail by XX/XX/2021. I have never received that check. So calling them back I was able to reach someone who said they could put the funds directly into my account. As of XX/XX/2021, I still haven't received anything. Calling Wellsfargo today after speaking to 4 or more people I was able to speak with XXXX who informed me that the check had been cashed on XX/XX/2021. The next person I spoke with states that XXXX should have not told me. I appreciate XXXX. I don't appreciate all of the other workers that continue to fail to do their jobs. Also I was told the only person whom can assist me is XXXX and his phone number is XXXX XXXX XXXX XXXX. I left a message. My credit score is dropping due to high usage because I had planned on using the XXXX dollars to pay of the credit card balance. No one has helped me get my funds back.
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a dispute letter to Equifax mentioning this unknown medical collection that does not have an account name being reported to Equifax nor does it have any contact information to obtain further information surrounding this debt.

I received a response stating that this account was verified however no additional information has been updated.

My most recent report available via my credit monitoring with XXXX dated XX/XX/2018 still does not reflect any contact information or account info pertaining to this account.

Under the FCRA any information that is incomplete, unverifiable or inaccurate should not be reporting.

This collection account that I have no additional knowledge or information is seriously hindering my credit score with Equifax as it is a serious derogatory information.

Furthermore, this is only reporting on this single credit reporting agency.

I will be sending out an additional dispute letter this week to Equifax further challenging the incomplete and missing information surrounding this one account.
Consumer complaint received 2020-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

while reveiwing my credit report i found a debt that i have no knowledge of i have tried numerous time to contact them but no answer i dont know who this company is nor have i ever signed a contract with them nor any of there affiliates
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

In mid-XX/XX/XXXX, I called Ocwen directly to discuss a possible modification to my loan. I was informed that I qualified to apply for a modification because of my increase in income and was instructed on where to obtain the application and provided a fax number to send all documentation. I believe Ocwen miscalculated my income My monthly gross is {$4.00}, XXXX My monthly expenses are {$870.00}, leaving me with a {$3300.00} surplus! 
When I fell behind, it was due to a financial blow, since then my income has increased substantially and I provided that proof to Ocwen. 
The denial letter stated two reasons of denial : 1. Account is greater than 90 days delinquent 2. Could not be offered a payment that is within the guidelines of modification Ocwens modification program They also provided projected terms but stated is " was not affordable ''. 
I agree I am behind, but I am willing to keep my home, I WILL TAKE THE PROJECTED TERMS BECAUSE I CAN AFFORD IT. 
I sent Ocwen a letter requesting to postpone the sale date for XX/XX/XXXX and review my application. I have attached a copy of that letter here along with the denial letter. 
I fell behind a year ago on my payments because my daughter was having XXXX XXXX which turned into XXXX. As a single mother, I had to take time off work to take my child to her appointments. Why am I being treated like a criminal? 
I thank XXXX all that has passed ; all I need is to save my home. 
I intend to pay back Ocwen what I owe.
Consumer complaint received 2018-09-25
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: Georgia Student Finance Authority (FL)

For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " Georgia Student Finance '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when Georgia was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT IN DISPUTE XXXX XXXX XXXX REPORTED BALANCE {$1000.00} ACCOUNT OPENED XX/XX/XXXX TERM XXXX XXXX ( WAS EXTENDED AN ADDITIONAL 6 MONTHS TO 42 MONTHS ) Account was payed in full in XX/XX/XXXX with XXXX late payments I returned the car in XX/XX/XXXX and leased a new car from XXXX Newly leased car paid in full with XXXX late payments. 

In XX/XX/XXXX XXXX reported a balance on the original lease, two months after it was turned in. 
XXXX has reported late payments from XX/XX/XXXX till present, and erased all payments from XXXX to XXXX XXXX posted that I have been delinquent for 42 months of payments to credit bureaus I have attempted to speak to XXXX, where I have been verbally abused, hung up on, and laughed before being hung up on. 

When I dispute charge with XXXX or Trans Union, XXXX insisted and shows a piece of paper with the balance on it, but refuses to say what it is for. 

XXXX further sabotages my credit score by continually opening and closing the account. 

XXXX repeatedly leaves messages at the credit bureaus, then erases them. 

I asked for the XXXX XXXX XXXX to find out what is happening, but XXXX never responded. The XXXX has given them an F rating, and 173 consumer complaints at their site gives XXXX 1 out of 5 stars. Consumers complain that they are unable to give them XXXX stars. 

At XXXX more of the same. XXXX XXXX is an aberration and needs to be investigated Now I am asking you for help, as XXXX has ruined my credit. I attempted to refinance my house over the last year and XXXX is costing me tens of thousands of dollars with this little game they are playing. 


WHAT IS THIS FOR? WHY IS THERE A BALANCE WHEN IT WAS PAID OFF IN XX/XX/XXXX AND A NEW LEASE STARTED? WHY ARE YOU SHOWING XXXX AS THE LAST PAYMENT?
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. this has damaged me and held me back for sometime. Im demanding CFPB to enforce the correct and or deletion of these items.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/2021 i sent a letter to transition disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Consumer complaint received 2020-10-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

THE COMPLAINT WAS SENT BY ME. YOU ARE COMPLETE SCUMBAGS AND YUR ACTIONS ARE TRANSPARENT. I SENT THE COMPLAINT. YOU DID NOT INVESTIGATE UNTIL AFTER THE 30 DAYS. YOU THEREFORE MUST DELETE THE DISPUTED ITEMS. THAT'S THE LAW,
Consumer complaint received 2018-09-26
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)

I contacted TransUnion credit reporting about an incorrect account reporting on my personal credit bureau. The account reports that an XXXX XXXX   account was included in a Bankruptcy which it was not. TransUnion credit reporting refuses to remove the account.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Opened an account with Bank of America on XX/XX/23 via online application. I was notified by email that the account was approved. I logged into the account and recorded the account and routing number. I then went to a BAC branch located at XXXX XXXX XXXX XXXX, XXXX, AZ and deposited a check dated XX/XX/23 from XXXX XXXX in XXXX AZ for {$20000.00}, both my wife and myself signed the check in front of the teller and the deposit was accepted with a hold on the funds until XX/XX/23 at XXXX am. 

On XX/XX/23 I attempted to log on to my account to verify that the funds had been deposited. I was unable to log on and after a phone call, was told the account was closed. I never received a phone call, or email to inform me that the account was closed, I only found out by accident. By visits to the bank and phone calls I was eventually able to determine that fraud was suspected. The bank then informed me that the only way to get my funds were have them mailed on or after XX/XX/23, even though the funds were to be released on XX/XX/23.
Consumer complaint received 2021-06-29
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: American Student Assistance (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-29
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: Navient Solutions, LLC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-11-27
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. (PA)

on XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2021-06-29
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: Avant Holding Company, Inc. (CA)

On XX/XX/2021 & XX/XX/2021 inquires for a loan was pulled on my credit fraudulently with AVANT XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone XXXX. 

On XX/XX/2021, AVANT XXXX was phoned and notified via email that I did not submit this application and it was identity theft. 

On XX/XX/2021, I placed a credit fraud alert and freeze was put on my account with credit bureau, XXXX. XXXX notified XXXX and XXXX with the help of XXXX XXXX Customer Service Center ( they were excellent ). 

On XX/XX/2021 an XXXX report was filled out and on XX/XX/2021 it was emailed to AVANT 's identity theft fraud department. 

A response on XX/XX/2021 was given that AVANT 's Bank funded the account and they needed their own " Identity Theft Victim 's Complaint and Affidavit '' submitted. AVANT was well aware that this account was opened with stolen identity and funded it anyways. 

On XX/XX/2021 the required form was submitted and a police report was filed with local police agency. AVANT still has not responded. 

Several inquires of fraudulent accounts attempted to be opened with several banks and agencies that did not fund the accounts as the phone number and email address did not seem legitimate ; AVANT Bank did anyways.