davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}. Please remove these accounts ASAP.
Consumer complaint received 2020-11-24
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. (IN)

XX/XX/XXXX I sent Experian, XX/XX/XXXXand XXXX XXXX a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent Experian, XXXX XXXX and XX/XX/XXXXa letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to 3 managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed. 

I contacted XX/XX/XXXX 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXXXXX XXXX Auto FinancingXXXX Experian XX/XX/XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Automotive XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXBank XX/XX/XXXX XX/XX/XXXX XXXX XXXX I Travel/Entertainment XX/XX/XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XX/XX/XXXX I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.
Consumer complaint received 2020-06-03
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

I have disputed information on my credit report being reported by Midland Credit Management for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

XXXX XXXX and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

Midland Credit Management {$760.00} Midland Credit Management {$1200.00} Midland Credit Management {$450.00} Midland Credit Management {$450.00} Midland Credit Management has continued to report this invalidated information as well. Midland has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I am writing now in hopes to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a crucial role in this procedure. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and days late to the credit bureaus ( XXXX, XXXX and XXXX ) on  XX/XX/XXXX and XX/XX/2016 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one auto finance continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and XXXX  reports on my XXXX  report it reflects the correct date of XX/XX/XXXX. I believe this was done to re-age my account! I have disputed this through the CB several times.
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I called into Wells Fargo about having my PMI removed from my home loan. I knew we bought the house for 75 % cents on the dollar and believed an appraisal would easily remove the mortgage insurance. I spoke to someone over the phone before ordering my appraisal and they said didn't say it was mandatory to have " improvements '' to remove the mortgage insurance. 

I order the appraisal on XX/XX/XXXX needing to hit a value of XXXX and received a value of XXXX on the XX/XX/XXXX. But wells fargo is rejecting my request saying because no improvements were made, they will not remove PMI. They are referencing a letter i received saying that Improvements must equal the difference. So two things, one i was told differently on the phone and two it doesnt say improvements are mandatory. Where we currently stand is i have a loan with Wells Fargo that is showing 78 % loan to value, with appraisal company of XXXX XXXX choice, but Wells Fargo won't remove Mortgage insurance because of i didnt build an improvement.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$470.00}
Consumer complaint received 2022-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

Dovenmuehle bankruptcy department is not sending in the amendment payments to the XXXX XXXX bankruptcy courts. I spoke to XXXX 's who is in charge of my case she said get in Nothing has happed. XX/XX/XXXX I received a letter from the cfpd that XXXX  sent to you that state the bankruptcy is no longer needed. I spoke to XXXX in lossmitigation hud did a check for the XXXX. I was approved for a parcel loan modification. On XX/XX/XXXX I spoke to XXXX 's with bankruptcy that when I was to she would get admitted bankruptcy paper work in. I have attached proof of phone calls dates and time
Consumer complaint received 2024-03-03
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. (FL)

XXXX XXXX XXXX XXXX Disputed account # [ XXXX XXXXXXXX # XXXX ] XX/XX/XXXX Equifax and XXXX XXXX claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am stupid enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION BUREAU INCORPORATED (ID)

In XXXX of XXXX, I went to an urgent care clinic ( Primary Health ) After initial check in and observation the clinic urged me to go to an ER at the hospital. Which I did. I later received an attempt to collect a debt on lab work that was never performed. I called the clinic to get copies of the so-called lab work and they said they couldn't release the results to me. Only the billing. The debt collection agency also falsified the dates of when the visit took place. Saying it happened in XXXX of XXXX, which it did not. On top of it all, I never authorized this debt collection agency to obtain my protected health care information. They have my personal information along with specific lab tests I had taken, as well as the symptoms I was experiencing at the time. This is a clear violation of HIPAA. Also, they have given this information to the credit bureaus without my written consent. Collection agencies and credit bureaus are NOT covered entities when it comes to Protected health care information. Not to mention, In the state of Idaho it is past the statue of limitations to continue attempting to collect on this debt. This company is in violation of many laws and I want their practices looked into. I want this removed from my credit report. They are intentionally trying to damage my credit over a XXXX dollar bill that I DO NOT OWE.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and Experian reports on my XXXX report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-05
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (NY)

XXXX XXXX XXXX XXXX collected monthly payments over a period of 4 years that were never applied to my account. I have held money order receipts for each transaction and forwarded these to a Navient supervisor by the name of " XXXX '' who I spoke to in XX/XX/2016. All of these correspondences were preserved within my Navient files. However, my account was continued to be listed in default even though Navient deposited each and every monthly payment. As such, my yearly income tax was withheld and I was labeled an 'unresponsive ' account holder by Federal Student Aid. After reading about the CFPB suit I spoke to XXXX # XXXX today at Navient who told me that my account records no longer exist and have been moved to XXXX XXXX XXXX. I would like to add my grievance to this national lawsuit https : //www.consumerfinance.gov/XXXX
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I called up Bank of America and asked how to minimize my interest payments. I asked if I should pay off my statement balance or my total balance. They told me that I should pay off my statement balance. I asked them to clarify and they told me again to pay off my statement balance. 

Then the next month I was charged a lot of interest and when I called them about it they told me there was nothing they could do to waive it. I closed my account because they were decietful.
Consumer complaint received 2018-02-06
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. (VA)

XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both Transunion and XXXX reports on my XXXX  report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (DE)

On XX/XX/2019, PNC reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both PNC as well as the collection agency ( then ) XXXX XXXX XXXX to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from XXXX XXXX XXXX for {$370.00}, the same amount paid on XX/XX/2019. I again called PNC as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to PNC electing to place me into collections twice for the same account. I do not trust neither believe in the process of PNC as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (DC)

All these different numbers especially this number XXXX just keep calling my phone about a debt that doesn't have nothing to do with me off the early morning at XXXX. When I answer he said he is from the CBE group & telling me to verify my address which I didn't & then I hung up the phone once he said that.
Consumer complaint received 2019-11-12
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-07-20
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)

Became aware that I was a big victim in late XX/XX/2022. As a result my credit reports all three have taken a major hit with hard and soft inquiries, Several accounts that I didnt apply for, Miss pay for work for having to handle the identity thats issue and approximately {$600.00} in funds that were stolen from my accounts. I have contacted all three major credit reporting bureaus and advise them and put XXXX freeze on my credit reports. But there are still increase in accounts coming up that are not mine that came from this identity theft and I want them took off my reports
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

To whom it may concern, I hope this email finds you well. I would like to resolve this issue and get my promotional offer of {$300.00} as TD Bank promised. I am escalating this matter because customer service couldn't help. 

Unfortunately, TD did this same thing to my husband as well. They always trick customers. It's unacceptable! They don't care about your customers. If we don't go for a resolution, we will never ever use TD bank again and I will tell this to our friends and family as well. They all should avoid their services if you don't care about your customers. We were even thinking to bring our investments and IRAs to TD XXXX portal but now we are not happy with this situation at all. 

I opened the bonus offer via your website and it was saying {$300.00} bonus. via this link : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX There was nothing about XXXX XXXX Mail ' campaign on the link even in the blueprint. And this time we read the blueprint in detail 3 times. We always open different bank accounts with different banks and we never had any issues like this with another bank! They are always click-baiting new customers! We gave them a second chance and this time we read all the blueprints did the right things. This is awful! They should do some empathy and see this from their customer 's side. They literally betrayed us. They just care about a new customer 's direct deposit and they're not loyal to their words and promotions. It's very frustrating. They just care about our money, not your customers as they said on your PR and quotes. 

Please do your best to resolve this unprecedented treatment to your customer. I completed all of the required steps as you requested. I do demand my {$300.00} bonus as you promised. Please send the bonus via snail mail to my address Thank you for understanding. Please accept my rage and frustration on this matter. 

Best regards,