davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

A Payment was made to bring the account current prior to AES/PHEAA reporting to the Credit Bureaus XXXX however AES/PHEAA deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how AES/PHEAA operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, AES/PHEAA had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. 

People are doing just this : https : XXXX https : XXXX
Consumer complaint received 2023-01-11
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. (HI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/202XXXX XXXX
Consumer complaint received 2022-10-08
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX .... Balance : {$11000.00}
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Hi I am filing this dispute on XX/XX/XXXX, Experian and XX/XX/XXXX. I informed all three companies that XX/XX/XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXXXXXX ) was reporting different across three credit bureaus. XX/XX/XXXX never responded to my certified letter Experian and XX/XX/XXXX said they verified this account. I would argue this account was verified correctly. The account is still reporting different on all three credit bureaus Please see variables below : Date Opened : XX/XX/XXXX XX/XX/XXXX Experain XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : XX/XX/XXXX Account information disputed by consumer, meets FCRA requirements Experain Customer disputed account - reported by subscriber. XX/XX/XXXXConsumer disputes this account information Subject has not satisfied debt. Date Last active XX/XX/XXXX XX/XX/XXXX Experain XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attach my Driver license also since yall like to say It wasnt me who file this complaint. I will alo be filing a complaint with the Attorney General Office.
Consumer complaint received 2019-11-11
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: MECHANICS BANK (MN)

On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.
Consumer complaint received 2022-04-06
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. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (FL)

I went into a TD Bank on XX/XX/2021 to deposit two checks. One for {$840.00} and another for {$30000.00}. When handing the check to the teller, I asked if the check needing to be endorsed by the other parties on the check. The teller told me no and continued to deposit my checks. By XX/XX/2021 both checks were returned, causing fees and overdrafts. I contacted TD Bank, which their phone reps told me both checks would be reissued in 7-10 days in order to be redeposited. I still have not received those checks. Ive followed up numerous times, no one has any idea where the re issued checks are. I was told any branch can re-print the checks for depositing and when I went, I only received a copy of the transaction not an actual check.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

Called too many times to resolve. Also called original creditor and they say there is no debt for the time period. 
When calling AFNI directly, they will not help me unless I give SS # for which I dont have to under law for fear of identity theft.
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SOUTHSTATE CORPORATION (GA)

I received my 2023 Annual Escrow activity indicating the account was below the expected amount and my total payment would be increase to account for the difference. When reviewing the escrow account summary for the three years I have had my mortgage, I noticed each section from actual activity runs from XXXX to XXXX. There is a section for anticipated activity for XXXX ; however, I would expect that the following year would show the actual activity. None of the summaries provided show the actual activity for XXXX of each year. This is a problem for me because my Insurance and Property taxes tend to be paid around this time, but I an unable to verify through the escrow account summary the actual activity taken. I spoke with XXXX who advised that the summary do no show actual activity for XXXX and I would need to review my monthly mortgage statements for this information. She did follow up with me to provide all the actual activity for the entirety of my account ; however, this is not satisfactory.
Consumer complaint received 2019-11-11
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. (FL)

Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX that my loan # XXXX was being transferred to PNC Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX loan # XXXX. In a letter from PNC, I was told that funds would be drafted from my bank account and that the banking information was to be provided by XXXX XXXX. I highly objected to this. I did not give anyone permission to pass on my private information or PNC access to my financial instutution. 

After talking with PNC, I was told that my private banking information was going to be sent by XXXX XXXX without my permission and funds would be drawn from my bank account by PNC bank without my permmission. 

I placed a call to XXXX XXXX and it was explained to me that if they set-up a contract with PNC that granted the transfer of my banking information through a data conversion. Private information was to be shared without permission and accessed without permission. When I asked PNC Bank if this was legal they hung up on me and refused to discuss the matter.
Consumer complaint received 2021-09-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Balance : {$2100.00} Account Name : XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$330.00}, {$160.00} For one, I have disputed these three accounts with the credit bureaus since XXXX  of 2021, and have not gotten any response about how the accounts are verified and validated. These accounts are not reporting consistently and therefore I am using my rights to dispute if I find any incorrect and unverifiable items on my credit report.

For two, I have disputed the accounts directly with the original creditors and found that they haven't received any communication from the credit bureaus about a re-investigation. I am fixing my credit because I am trying to get approved for a loan. I did all that I could to get the bureaus to respond to my disputes with proof of the validity of the information reported on each account but I feel like my efforts are wasted.
Consumer complaint received 2021-09-13
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: FC HoldCo LLC (NC)

I was alerted of hard credit inquiries which I did not authorize and no knowledge of. I was advised by companies to dispute with credit bureaus as they could not remove. Credit Bureau explained FTC filing is needed.
Consumer complaint received 2021-09-20
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (GA)

I, XXXX XXXX ( the consumer ) living being, extended credit to American Express in XX/XX/XXXX pursuant to 15 USC 1601. American Express is a debt collector and had been misleading, falsely representing, and committing fraud. They have been sending me alleged bills which I will attach as an Exhibit of the fraud, misleading, and false representation they have been committing against me the consumer and living being. My Exhibit will show the following violations that American Express have infringed on me. 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1692d ( 2 ), 1692e ( 2 ) ( A ), 15 USC 1692f ( 1 ), and 15 USC 1605 ( a ).
Consumer complaint received 2017-09-18
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 disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection account.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (FL)

Debtor placed collection account on my credit report after payments had ben made, and account was paid in full. requested deletion and was told will be deleted 60 days after payment received. account is paid in full and therefor should be reflected as such or removed.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-10-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-05-29
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. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-01-18
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00}.
Consumer complaint received 2022-08-12
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2.00}