davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
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. (CA)

I XXXX XXXX have reached my limit on waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I'm ready to filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (IL)

Good day to you. I am sending in this complaint as a last-ditch effort to remove a bankruptcy that is being reported inaccurately on my Experian report. I have sent updated copies of my credit reports as well as my current XXXX XXXX report that shows that there is no bankruptcy in my public record. I have also attached a letter from XXXX XXXX that shows that Experian is not even responding to XXXX XXXX to remove this account. Please have them remove this as this is the 5th month I have disputed with Experian in a row with no success. I have been disputing this with them since XXXX of 2020. Thanks for your help in this matter. XXXX XXXX
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against AFNI. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I recently opened a Chase checking account. I received a fraud alert from Chase about some transactions. I had never used the account at all. I never received my debit card or PIN number from them. Yet, there were 3 fraudulent transactions on my account. Two of them were at ATMs. I called Chase and opened a dispute. They denied my claim after only a few days. I dont think they even researched my claim. The charges are as follows ... 

ATM withdraw {$500.00} on XXXX/XXXX/XXXX ATM withdraw {$500.00} on XXXX/XXXX/XXXX XXXX {$52.00} on XXXX/XXXX/XXXX I DID NOT MAKE THESE CHARGES.
Consumer complaint received 2023-02-22
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. (AL)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I've called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

We submitted our file for loss mitigation review. Our loan has not been modified. We fell behind due to medical issues and an accountant mismanaging my self employed business earnings.I am now on a payment plan wuith the IRS and i submitted this proof of hardship. To top it off, when covid hit, we shut down completely. This has been an extremelydifficulttime for us. On XXXX first we were advised by XXXX XXXX, that we needed to update the XXXX form and that they did not receivemy profit andloss. We resentin the information and got confirmation that it was received by Fay. Since XXXXWeve called continuously and were advised by each and every rep that the file is being reviewed. XXXX were suddenly advised that the file is now just sitting there. The representative also advised that they will not be reviewing the file as its too close to the sale date. All of a sudden they stopped the review of my file? Why when we called in weekly we advised that the file was being reviewed. How do they just stop doing their job?? How has every single representative given us inaccurate information? It is very obviouswhat is going on. Fay Servicing was dual tacking which is illegal.Dual tracking '' occurswhen a mortgage servicer continues to foreclose on a borrower 's home while simultaneously consideringthe borrower 's application for a loan modification or other foreclosure avoidance option.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One. 

Capital One is intentionally slandering my credit by placing false fraudulent charge off status date information onto my credit files, as well as false information regarding balance owed information. 

I am attaching a copy of my most recent credit report, and the credit report shows, that Capital One, is falsely claiming that I had a credit card account with them that they charged off in XXXX of XXXX, and that is false fraudulent information. 

I have had no dealings with Capital One since around XXXX of XXXX, and all of the statistical payment data that they have placed onto my credit files is inaccurate, fraudulent, false, and made up. 

Capital One has doctored up their statistical data on my credit files, so as to make it seem as though I had dealings with them in XXXX, as well as XXXX. 

On my credit file, under comments, where they are claiming that this information has been investigated, and is complete, that is a lie, if it were investigated and complete, this false fraudulent debt would not be on my credit files. 

Capital One is also claiming that I owed a past due balance to them in XXXX of XXXX, in the amount of {$570.00}, and all of that is false information. 

I am disputing the {$570.00} that Capital One is claiming that I owe to them, I did not, and do not owe them that money. 

Capital One has maliciously ran up this credit card account with fraudulent fees, and charges, and I want all of this false information removed from all of my credit files, and I would like hard copy proof on their letterhead that, that has been done. 

I want Capital One to cease and desist from contacting, and harassing me. I want all of my credit files corrected, and if they have passed on this false information to any collectors, I want that information removed from my credit files, as well. 

Any communication, Capital One can communicate with the CFPB, and the CFPB can contact me.
Consumer complaint received 2024-02-26
Product: Credit reporting 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 writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MI)

The amount claim owed by XXXX XXXX XXXX was incorrect. I talked with them on multiple occasions and they did not respond with evidence supporting the bill. Eventually they turned the dispute over to a collections agency " XXXX XXXX XXXX '' which sent me a letter. 
I immediately contacted them and emailed them filing a dispute with them and followed up a couple of times. I was told verbally and via email they were waiting for a response from XXXX XXXX XXXX and that " apparently XXXX XXXX XXXX sees this inconsistency as well ''. Eventually they drop the issue after XXXX XXXX XXXX was unable to substantiate there claim. Then I received a call & letter from another collection company " Diversified Consultants Inc ''. I contacted them and explained the issue, emailed them a dispute, and sent the dispute letter, and supporting documentation within 30 days of notification. No response was recieved from them written or other. They did no investigation, and proceeded to immediately filed a collection with credit reporting agency 's. " Diversified Consultants Inc '' did not follow the law and provide or protect my rights under FTC rules and laws.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (KS)

XXXX XXXX XXXX should only sell large Appliances through dealers and discontinue selling online. I purchased a XXXX XXXX online because it listed a {$400.00} discount. It was a total disaster. Later, I learned XXXX offered the same discount although they didnt advertised it. 

1. Defective Product. The large appliance was a refrigerator purchased online from XXXX. It was delivered by XXXX, a delivery and repair service for XXXX. XXXX made XXXX trips to my home and spent 3 months before the refrigerator was acceptable ( XX/XX/XXXX- XX/XX/XXXX ) : dented doors, wrong model doors, two right doors shipped together, etc. ). 

2. Incorrect Fee Charges. I accepted a deferred interest payment plan. I bank online and requested online statements ( see item 4 ). I set up all payments in XX/XX/XXXX, when the refrigerator was finally acceptable, of {$150.00} per month for 11 months and a final payment of {$110.00} on XX/XX/XXXX ( total {$1700.00} ). This equaled the total amount due on the shipping & billing document given to me by XXXX ( see documents 1 & 2 ). Apparently, I missed something as my account was charged {$290.00} on XX/XX/XXXX for deferred interest ( over 30 % average monthly outstanding? ). 

3. Bad Customer Service. XXXX banking partner, TD Retail, is impossible to communicate with. I have been working on a resolution for 3 months. I called XXXX and the automated attendant did not offer any option to speak with an individual. On the 3rd call, I tried using 0 for the operator and after a 20-minute wait, was successful in talking to a live person. That person instructed me to go to the web site onlineaccount.net '' and fill out a dispute form. I did that and filled in the form, sent it snail mail as requested and also emailed it to TD Retail ( see document 3 ). I have since dialed XXXX selecting 0 many times. Invariably I get the following results : a. Sorry, I dont have the authority to make adjustments or b : The line is dropped transferring the call to another person to assist me. Never any answers. 
4. Major Deficiencies in the Customer Service Portal. Getting the site to open is problematic. Sometimes anti-virus warns not to open the site and other times the system is down ( see document 4,5,6 ). Statements can not be rendered to the screen or downloaded ( document 7 ). An incomplete list of transactions can be rendered ( document 8 ). I have called concerning these problems, but those answering do not know how the system works and phone transfers to a knowledgeable staff invariably result in dropped calls.
Consumer complaint received 2021-10-19
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. (SC)

Consumer Financial Protection Bureau : I wish to dispute any and all association with XXXX XXXX credit account tied to my credit score. At no time have I ever had an account with XXXX XXXX, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history. 

I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with XXXX XXXX was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a XXXX XXXX, a statement was never forwarded to me, nor did I ever make a single purchase using that account. 

I have contacted XXXX XXXX dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only XXXX XXXX associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a XXXX XXXX with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the XXXX XXXX. This is account is NOT responsibility. 

I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. 

Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. XXXX is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established. 

A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to XXXX refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. 

I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. 

Thank you for your consideration.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (KS)

XX/XX/20 We received a ReliaCard issued by USBank. The card was unexpected and did not align with any accounts we own. That same day we inactivated the card, and the customer service representative noted that it was an Ohio unemployment card. We have never been to Ohio. They used a decades old phone number and likely additional old information ( however it made it to our most current address ). Clearly a fraudulent card. Note : nothing will be attached as it was a credit card issued document containing personal and sensitive information.
Consumer complaint received 2020-09-01
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. (WA)

On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I've sent numerous letters to Transunion over the course of 60 days. I'm trying to get this junk off my report and no reply from Transunion that is violating my right with the FAIR CREDIT REPORTING ACT. 
I've never lived at any of the addresses or had any of the telephone numbers listed on my report. My family I owned a piece of land and has so since I could remember so them addresses need to be removed off my report. Inside the letters I sent included my ID my SS card and a bank statement confirming my identity
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address the late payments on my account with reference number XXXX. I recently noticed that there have been instances of late payments reported on my credit report for the past few months. XXXXXXXX XXXX XXXX
Consumer complaint received 2020-11-30
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. (CA)

I am a victim of identity theft I have filed a dispute with the Experian fraud department and have provided them a valid police report and a valid FTC affidavit I have taken all the steps and I just keep getting some generated reply from Experian saying my police is not valid because it was not filed with a law enforcement when in fact it was and I have provided all the information needed for Experian to verify the police report. They are knowingly and willingly damaging my credit and have caused me stress and multiple time to keep going to the police department even when they keep giving me the same police report and saying they don't know why Experian is sending some generated letter asking for a police report to block fraudulent account when they I have provided the valid police report. Enclosed is the FTC, Police report and the generated letter I get from Experian. Along with my Dispute letters sent to Experian. I have also checked my XXXX and XXXX who do not report any fraudulent accounts on my report. This is reformation
Consumer complaint received 2023-04-01
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-26
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.