davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, any discrepancies should be rectified.
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 — Their investigation did not fix an error on your report
Company: Westcreek Financial (MO)

I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2019-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2019 I made 2 transfers online through my Citibank account totaling {$1000.00} using XXXX as the means to transfer the money. 
I thought I was paying the breeder of a puppy for the dog, but unbeknownst to me i was falling victim to a scam. The money was transferred and received by the scammer. The morning the puppy was to be sent, the " breeder '' sent an email saying i would be contacted by the shipper to make arrangements. 
The shipper demanded that i pay an additional {$980.00} to have the puppy shipped to me. 
I contacted my local police and made a report as well as filing a report with the FBI on internet fraud/scam. 
i contacted Citibank Fraud by phone and they opened a ticket on my behalf, but essentially told me that there is nothing they will do because it was a " wire transfer through XXXX '' and that I initiated the transfer. Citibank is essentially blaming the victim as i am confident that they will not refund or try to get these funds back from XXXX. 
A day later i physically went into a Citibank branch office to speak to someone face to face and the financial adviser i spoke to there basically said " honestly, you are unlikely to get your money back from Citibank ''. 
I also called XXXX and they said that i should be going through my bank and not XXXX because that is where I transferred the funds. 
Bottom line is that neither Citibank nor XXXX wants to accept any responsibility, even in the face of scams or fraud. 
Legally speaking this would be considered grand larceny and I hoping that my city police department will help me. 
As a gesture of good faith for a customer of over 26 years and who is in excellent standing, Citibank should have refunded my money and initiate efforts so this never happens to another client of theirs who falls victim to a scam.
Consumer complaint received 2018-10-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous XXXX   verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...
Consumer complaint received 2019-05-31
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. (NY)

I have an auto lease with XXXX XXXX XXXX and on XXXX of XXXX it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.
Consumer complaint received 2018-10-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Payment is not properly applied. Payment should apply first to principal and interest only. 
Previously complained. They corrected it. It happened again. In addition, the bank statement doesn't show how they came to the final regular payment. If there is a late fee, it doesn't show in the statement. I complained again today and the complaint # XXXX. The bank associate agreed there is a problem and is very helpful. There is either a problem with bank on line payment system and printed statements or Bank of America deliberately adopting financial malpractice.
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (AL)

I CHECKED MY CREDIT WITH CREDIT CHECK TOTAL FOR XXXX AND CANCELLED MY SUBSCRIPTION BEFORE MY 7 DAYS WAS UP BUT STILL TOOK XXXX OFF MY CARD. I HAVE CALLED XXXX A MILLION TIMES MAKING SURE I CANCELED THE MEMBERSHIP AND IT SAYS I HAVE NO SUBSCRIPTION WITH CREDIT CHECK TOTAL. A MAJOR PROBLEM WITH THE NUMBER IS YOU CAN NOT SPEAK TO A REP ABOUT PROBLEMS WITH YOUR ACCOUNT.. I ALSO PRESSED THE BILLING OPTION AND IT ONLY TELLS YOU TO LOG INTO YOUR ACCOUNT BUT THAT WILL NOT FIX THE MISTAKE OF THEM BILLING MY CARD. CREDIT CHECK TOTAL ( EXPERIAN ) SHOULD HAVE A NUMBER WHERE YOU CAN SPEAK TO A LIVE REP. BECAUSE MISTAKES HAPPEN AND THIS NEED TO BE FIXED.i NEED MY MONEY REFUNDED BECAUSE I DO NOT HAVE A SUBSCRIPTION WITH THEM BECAUSE I CANCELLED IT WITHIN MY SEVEN DAYS. CREDIT CHECK TOTAL NEED TO POST A NUMBER WHERE INDIVIDUALS CAN TALK TO A LIVE REP WHEN PROBLEMS OCCUR.
Consumer complaint received 2019-08-09
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: Sarma (FL)

On XX/XX/2019 a company that goes by the name Sarma, location XXXX XXXX XXXX XXXX XXXX, TX XXXX had illegally pulled my credit report for a mortgage broker that never obtained my consent to pull my report. I did not give permission orally, or written to pull my credit report. They did so on their own. I have tried on 2 different occasions to contact Sarma @ XXXX on XX/XX/2019 @ XXXX and left a message to have a call back, spend 12mins on the phone waiting for a representative. Made another attempt to contact them on XX/XX/2019 @ XXXX @ XXXX and spend 14 mins on hold before the automated system hung up on me. Called XXXX on XX/XX/2019 @ XXXX XXXX to dispute the inquiry. Was told by XXXX representative that they could not remove the inquiry and that I had to have it removed by the company that requested it. Problem is I can't get ahold of the company that requested it as they don't answer their phone or call back.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (TX)

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

15 U.S.C 1681 section 602 A. 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. 

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

15 U.S.C 1681 section 602 A. 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 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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Listen to me, this is unfair! I need a 100 % accurate and correct report. Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.
Consumer complaint received 2022-04-06
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 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 has violated my rights .

15 USC 1681 Section 602 A States that I have the right of privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
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: EQUIFAX, INC. (TX)

I sent a dispute to Equifax on XX/XX/XXXX regarding XXXX XXXX XXXX reporting 2 items on my credit report. 1 report from XXXX was removed and the other is still listed for {$62.00}. I submitted information to Equifax as proof that the XXXX circuit US District Court ordered XXXX XXXX ( which is also a Lawfirm XXXX XXXX XXXX XXXX XXXX ) to remove items from consumers reports based on various class action lawsuits filed for violations of the FTC & FDCPA. Sect 791. F.3d 1291 ( XXXX vs XXXX XXXX XXXX ) since XXXX and additional Case # 's XXXX, case # XXXX, case XXXX. The US District Court ruled positive that XXXX committed these violations and have since fined them and ordered them to remove items from consumers credit reports. 

As of today, XX/XX/XXXX, the most recent communication I received from Equifax was that they were sending a letter to XXXX to validate the {$62.00} debt and would notify me within 30 days of their response. Equifax should not be doing that!!!!!
Consumer complaint received 2018-10-10
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. (HI)

Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (FL)

XXXX  SELF LENDER XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Has been sending me collection notices in the about The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

Using CFPB I sent a letter for the company to validate debt in my name on XXXX XXXX,2017. I asked for company verifying information and information that show I have to do business with the company. They only sent statements and information that they purchase debt in my name. That does not show I am obligated to do business with them. They are also reporting negative information on my credit report, without giving me the opportunity to dispute. I do n't know if I am suppose to to pay the dept and they are already putting negative information on me without setting the dispute first.
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: Experian Information Solutions Inc. (CA)

I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$9900.00}, {$220.00}. 
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 )
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I can not freeze/hold credit with Equifax online or over the phone. My husband and I had no problem holding credit with XXXX and XXXX online yesterday XX/XX/2018 using their websites. 
My husband was able to have credit held with Equifax over the phone but their website did not work yesterday or today XX/XX/2018.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-06-28
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) 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 filling a compliant 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 will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
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 — Their investigation did not fix an error on your report
Company: AFNI INC. (TX)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2021-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/2021, we submitted a complaint ( complaint ID ends in XXXX ) because Navient Solutions , LLC has not accounted for several years of payments. We show we've over paid the amount due by more than {$1000.00}, and they still claim we owe more than {$10000.00}. We've since received one notification through CFPB that they're looking into the claim and second that they need more time. Yet 28 days later, Navient hasn't responded to this inquiry and they continue to make harassing calls and sending letters threatening financial and legal actions. The full payment history is available on the website and only took me about 2 hours to reconcile. It shouldn't take this long to add fees and interest charges to the principle and then subtract the payments.
Consumer complaint received 2019-03-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Loan payed by chapter XXXX my case is finished and closed loan was included!!! my balance is XXXX it appears XXXX I dont recognize!! I call my lawyer they say it should be removed!! Because is paid!!
Consumer complaint received 2024-03-01
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. (MI)

On XX/XX/2024, I contacted you to request an investigation into items that I suspected were fraudulent, erroneous, and falsely reported. I have only gotten a computer-generated letter claiming that the review of my credit reports has been stopped because you suspect I have engaged a third-party credit repair firm. I think this is a deliberate delay tactic on your behalf to give you an extra 30 days to fulfill my initial request, and I consider it a clear breach of the FCRA.