davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (MT)

I am making payments of twice the amount due for minimum payment due. I have  two separate balances on the same card, one is standard purchases at 13.99 %, the  other balance is a promotional 0 %. The promotional rate expires  XXXX . The credit card company is taking my payment and applying the minimum due to the 0 % balance and then applying the remainder to the 0 % balance also. My 13.99 % balance is increasing every month with interest charges as ALL monies go towards the 0 % promotional balance. As I understand the regulations, they are supposed to apply the overage to the HIGHER rate balance. I have spoken to this bank, they say that what they are doing is by their policies, I informed them this was my next step, to file a complaint, they were not concerned. I can not pay off the 13.99 % balance or reduce it until AFTER the 0 % is paid in full. These balances are in the thousands, that is not an easy task.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (CA)

Trying to connect my PNC account to XXXX  and it will not let me, I have had a XXXX  account for almost 2 years and never had an issue in the past with it connecting but now i do. I would like to keep using this app to save money and would like for PNC to allow it to connect
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I DON'T REMEMBER ANY ALLEGED DEBT WITH PORTFOLIO RECOVERY ASSOCIATES LLC, IT SEEMS PORTFOLIO RECOVERY PRUCHASED A MASS PORTFOLIO FROM XXXX XXXX  AND DID NOT DO THEIR RESEARCH OR VALIDATE THEIR PURCHASE. I STILL DONT SEE HOW IM RESPONSIBLE FOR AN ALLEGED DEBT FROM XX/XX/2017 BY THIER OWN RECORDS OF TRANS DATE. THAT WOULD MEAN THIS ALLEGED DEBT HAS A PAYMENT HISTORY OF AN EARLIER LAST DATE OF PAYMENT. THE STATUE OF LIMITATION ON CREDIT CARD DEBT IN GEORGIA IS 4 YEARS FROM THE DATE OF LAST PAYMENT WHICH WOULD PUT THIS CREDIT CARD AS TIME BARRED AND UNABLE TO SUE, UNCOLLECTIBLE. EVEN THOUGH A DOCUMENT WAS SENT TO A PRIOR COMPLAINT I FILED, I STILL DONOT SEE A PAYMENT HISTORY OR ANYTHNG PROVIDING MY ALLEGED PAYMENT HISTORY OF ALL PAYMENTS MADE AND THE LAST TIME A PAYMENT WAS MADE BEFORE DATE OF CHARGE OFF. ANY ONE CAN PUT A DEBT IN MY NAME AND ATTACH AN ACCOUNT NUMBER. UNDER THE FCRA, FTC, FDCPA A PURCHASED ACCOUNT BY A THIRD PARTY MUST PROVIDE PROOF OF PAYMENT TRANSACTIONS FROM THE BEGINNING OF PAYMENTS AND THE LAST PAYMENT DATE BEFORE DATE OF CHARGE OFF TO TRULY IDENTIFY THE VALIDITY OF DEBT AND THE TRUE BALANCE OF AN ACCOUNT. IF PORTFOLIO RECOVERY CAN NOT PROVIDE PROOF OF MY SIGNATURE AND MY ALLEGED PRIOR PAYMENTS TO XXXX  XXXX  THEN THEY MUST DISCHARGE THIS MATTER BECAUSE THE PROOF HAS NOT BEEN PROVIDED. ALSO PORTFOLIO RECOVERY IS NOT LICENSED IN THE STATE OF GEORGIA TO COLLECT ANY DEBTS. 
BUSINESS SEARCH RESULTS Business Name Control Number Business Type Principal Office Address Registered/ Designated Agent Name Status Portfolio Recovery Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX. Dissolved Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX. Dissolved PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA, XXXX, XXXX XXXX Resigned Admin. Dissolved SMALL BUSINESS SOLUTIONS PORTFOLIO RECOVERY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, GA, XXXX, XXXX XXXX, XXXX XXXX XXXX. Dissolved. 


THIS IS A SCAM
Consumer complaint received 2022-09-14
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 listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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 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 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 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 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
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX, has been charging late fees before posting payments to my Wal Mart, JCPenney, and XXXX XXXX cards. This resulted in a negative effect on my balance, never being paid below the credit limit. Even if a payment was a day late they would charge me a late fee.
Consumer complaint received 2018-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX stayed at extended stay hotel for 1 night. Went with girlfriend I had buisness so slept then went to first job the went to second for rest of night. Checked in around XXXX XXXX  left around XXXX XXXX  never came back. Girlfriend stayed allegedly had party cops were called. The next day I get text from bank on XX/XX/XXXX that XXXX was deducted from account it was the hotel saying that a whole was in the wall and somebody smoked in the room so I call hotel manager was very disrespectful just said there was damage and I said from what he said you know and belittled me hung up on me tried to call again he hung up tried to call corporate after over an hour on hold I gave up contacting them. Didnt get receipt until XXXX from motel. Told bank to stop payment on charge filed complaint got denied learned that the charge was credit since I didnt furnish pin so ask for chargeback bank is now dragging there feet. Wont give me credit until investigation is complete.
Consumer complaint received 2017-06-08
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. (FL)

OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through XXXX was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning it.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (TN)

This company gave me an extremely high interest rate. Then after a two years of never missing a payment I received an email from the dealership stating since I made all my payments on time they would try to get my payments lowered. When I contacted the finance company to discuss this matter they stated they were unwilling to get the payments lowered for me and to contact someone else to get it refinanced. Now the payoff is so high based on the interest rate that I ca n't afford to trade it or sell it without taking a major loss.
Consumer complaint received 2020-07-21
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)

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX ( Equifax ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX  ( XXXX ) Address : XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( Equifax ) Inaccurate late reporting : XXXX - ( XXXX, Equifax & XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( XXXX & Equifax ) ; Balance - {$90000.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2700.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( XXXX, XXXX, Equifax ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2600.00} ; I was never late on this account, please remove late reporting. 

USDOE/XXXX - ( XXXX & Equifax ) ; Opened - XX/XX/XXXX ; Opened XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

The following accounts are reporting either due to error or Identity Theft, Please remove the following items : US DEPT ED - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX  ) ; Bal : {$11000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$3800.00} ( XXXX ) ; {$0.00} ( XXXX ) ; {$3300.00} ( Equifax ). This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$8200.00}. This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$0.00}. This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX  ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX  EQUIFAX MORTGAGE EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-04
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: DISCOVER BANK (TX)

I have received a letter from Discover. The letter states that they have never ran a credit score and that if any information on my XXXX  Credit Report is not a Hard Inquiry. I beg to differ. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX This is the information listed on my XXXX  Credit report and was obtained without my permission. I ask know since Discover has lied about how any information was listed on my credit report to properly compensate me for my troubles, my emotional distress and the damage that this hard inquiry has on my credit score. Discover has not obtained the ip address or sent me the application that was used to incur a hard inquiry on my credit report. 

Skip to content Overview Reports & Scores 50 Identity Protection Credit Cards Loans az Support Skip to content Credit Summary Credit Reports FICO Scores Credit Alerts ( 50 ) Have a question? 
Archived ReportsBureau Your Next 3 Bureau Credit Report and FICO Scores will be available in 87 days. Can't wait? Refresh Now Summary Accounts Collections Inquiries Public Records Lock Your Credit Report Every time you apply for credit, a " hard inquiry '' is placed on your Credit Report. Here you will find the business names of those who have obtained a copy of your Credit Report over the last two years. Hard inquiries stay on your Credit Report for 25 months. 

You have 11 Inquiries Inquirer Name XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX If need be I can provide a copy of my experian report. Please do not allow this companies to violate consumer rights just because they feel they are untouchable.
Consumer complaint received 2017-06-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is a t it again! They have been lying to me ever since I refinanced with them 4 years ago. The most recent issue, they gave me specific instructions on how to pay off a loan. When I called today, they said that was not how mortgages are paid off and that I needed to send additional funds to a different address with a loan payoff letter. The loan has been paid and there is both money in the escrow account and extra funds that have been sent to the lender to cover all fees.
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

My belief is that Santander Consumer USA is using predatory lending practices. My auto loan was opened in XX/XX/2013. After XXXX years, nearly 50 % of my monthly payment is still being applied to both Interest and Principal. At that rate, unless I have a XXXX lump sum payment, I will NEVER be able to payoff the loan. I am aware that this company was found guilty of such practices in XXXX and must pay over half a billion dollars in restitution in a number of states, including IL where I reside. My car currently has over XXXX miles and is only worth {$400.00} according to the XXXX XXXX XXXX. I have just had to purchase a new vehicle for safety reasons and there is no way I can afford to pay 2 car payments. There have been a number of times when my payment was late due to a XXXX diagnosis and treatment. However, I still do not believe that my balance should still be so high. My payment should after all of this time, I believe be 100 % applied to the Principal of the loan. Please assist.
Consumer complaint received 2019-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BB&T CORPORATION (FL)

I am a XXXX-year-old widowed senior citizen who has been racially discriminated and scammed by XXXX XXXX. In the presence of my son who is my durable power of attorney was there to witness all of it, it started with the dealer demanding that I give them a {$500.00} deposit for the vehicle when I was already approved to purchase it by XXXX XXXX XXXX also including numerous unauthorized pulls of my credit report numerous times causing an extreme hit to my credit score. They also decided to use a lender of their own without my knowledge or approval. I took delivery of the car onto XX/XX/2019 in which the car m possession for approximately two weeks when all of a sudden I started receiving threatening phone calls from the dealership demanding I return the vehicle immediately or they were going to call the police on a XXXX-year-old woman and have me arrested for theft of a vehicle that I was already approved to purchase by XXXX XXXX XXXX on XX/XX/2019. Per the finance company they use, I did not qualify for the purchase of the vehicle due to the fact that when they called me for more of my personal information. I dont talk to anyone or give out any personal information or make any financial decisions without my son who is my durable power of attorney. I had already given the information at the dealership I advise them that my son has my durable power of attorney and in order for me to discuss personal information over the phone I had to have him present being that as I said before I am a XXXX-year-old widowed senior citizen who does not make any financial decisions without him because of such I was told because of this fact the lending company would not be able to finance me after having possession of the vehicle for over two weeks. I have called and I have made a corporate complaint with XXXX XXXX. I have tried to make contact with the dealership. Ive left several messages and they refused to return my phone calls. I feel that I was Taken for {$500.00} plus my credit ruined by XXXX XXXX. I was forced to buy another car and give another {$500.00} deposit at a subprime rate after losing my money and the car that I initially wanted and was approved to purchase.
Consumer complaint received 2015-06-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (CA)

I went to a XXXX. I took out a private loans that the school owns. I transferred to another school my XXXX semester because the other XXXX school had XXXX loans. while I was in XXXX at the new school my XXXX loans were now in repayment I was thought that while i was in school my loans would not be on repayment. I had XXXX more years of XXXX. I am now in default for XXXX loans with XXXX. I just graduate XXXX XXXX,2015. I did not get into XXXX. I am currently looking for a job.My mother has been paying {$50.00} a month direct deposit. AES took out over {$3000.00} without my monther permission
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (IL)

I applied for a conventional home loan from Regions Bank d/b/a Regions Mortgage and was denied. 

My credit scores were XXXX respectively from the top three reporting companies at that time. 

I was paying a 20 % down payment. 

I had assets greater than the cost of the {$130000.00} loan being requested. 

I had money in our bank accounts covering multiple months of payments, even after making the down payment and closing costs. 

I had a fulltime secure job with XXXX XXXX in Tennessee and reassured the bank I had no intentions of quitting until I secured a job in Illinois. 

Due to COVID-19 restrictions, XXXX was allowing all employees to work from home indefinitely. I did not have to work in Tennessee to complete my traveling job responsibilities as a construction manager. 

We had already sold our home in Tennessee and we were planning on buying a home in Illinois in preparations for the future job offer. 

I had an apartment in Tennessee while my wife was living in Illinois with a monthly hotel rental that was less expensive than renting an apartment and paying utilities. 

My income alone covered the monthly cost of both my living expenses and my wife 's living expenses, in addition to being able to pay a mortgage monthly. 

I was waiting on a hiring letter fro the State of Illinois at the time of the loan application and re-enforced to the bank that I would not leave my XXXX XXXX job until I received the official offer and start date from the State of Illinois. 

The bank refused to give me a loan until I received and started a job in Illinois. 

When we attempted to use my wife 's 30 years plus self-employment income and credit instead, they also refused us a loan stating that she was not making enough income to cover the mortgage and living expenses. Expenses and a mortgage being covered by my salary alone without her salary. 

My wife 's credit scores were XXXX respectively from the top three reporting companies. 

XXXX, Illinois is known for redlining and segregation and recently the XXXX XXXX drafted a statement promising to provide better inclusion and equity to those seeking to own a home in XXXX. 

We ended up having to take money out of my retirement funds, paying early withdrawal penalties in addition to the taxes, in order to close on our home and buy the property in cash. 

Regions Bank took too long and in providing both loan refusals and we had to move our closing date once as a result and had to wait on the transfer of retirement funds. 

Please investigate Regions Bank and the history of their loan practices, especially for people of XXXX in XXXX, Illinois.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-07-21
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.