davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

There is a bankruptcy being reported on all 3 credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX  XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

I had an account with Experian. One day a few months ago I was unable to log in. Went through the process of resetting my password. Then they tell me my Social Security number and birthdate do not match. I called four different phone numbers and could not get a human being on the phone. I went online to confirm my identity and they will not let me submit it. If they have this information about me wrong what else is wrong on my credit report. I have done everything within my power to resolve the situation with absolutely no help from experian.
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (OH)

I thought I had paid off all my medical debt as I was no longer receiving emails or mail about owing it. Today I got a text message saying I owe {$310.00} to XXXX XXXX XXXX  when I thought my debt was with XXXX XXXX. I do not know what this debt is from, what it regards, or when I received it, as they did not tell me, and said nothing about the right to dispute it.
Consumer complaint received 2021-05-06
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. (GA)

I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that XXXX Law requires them to respond within XXXX days yet they have failed to respond. earlier to comply with these XXXX Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CADENCE BANK (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. 
In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the accounts are inaccurate they are not exact in details and amounts. 

( XXXX XXXX XXXX ) you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly XXXX XXXX
Consumer complaint received 2022-11-17
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. (TX)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. Please delete the item as soon as possible. 


CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete the item as soon as possible!

The account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2023-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2020-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My pay was reduced as a result of the COVID-19 pandemic. On XX/XX/XXXX, I tried calling Wells Fargo to see about a 2-3 month payment deferment ( Moving payments to the end of my loan and extending my maturity date ). I could not reach a person on the phone, so I clicked the " COVID Payment Relief '' option on their website. I messaged their online system that I would like a 2 or 3 month payment deferment. I never received a response and my payments were not pulled via AutoPay, so I assumed they processed my request. I tried calling in XXXX but no response so I clicked the message option again to see if they processed my request and not response. 
I then received a Past Due notice in XXXX. I called and was told to disregard the letter and that they put me in a 6 month " Forbearance Plan ''. I then logged a complaint that I did not want this and asked if I would owe all payments at the end of the Forbearance. I was told no. I told them I've read articles that they have placed people in these plans without their permission and it's not okay. 

In XXXX I received a call from the Executive Complaint teams stating I owe them {$17000.00} in XXXX or they will report me to the Bureaus as delinquent. These are Unfair and Deceptive acts and Practices. They did this without my permission and now state I don't even qualify for a deferment due to my Originator being XXXX XXXX. I asked for a deferment and was placed into a plan designed to make people default instead of assisting them through hard times. They told me there is no record of my Online Messages, where I requested a Deferment. This can not be true. Had they explained this to me before placing me in Forbearance, I would have never accepted it.
Consumer complaint received 2022-04-27
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: Avant Holding Company, Inc. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Nationwide Debt Reduction Services, LLC (PA)

I have been trying to cancel my service with nationwide debt reduction services for the past week. Every time I call in to cancel they won't provide a direct phone # for the cancellation department. They say they can only transfer me directly and than the phone disconnects. They force me to leave messages that are never returned. I am being sued by a credit card company because of nationwide debt reduction services. I just want to cancel the service and they are making it almost impossible for me cancel this service
Consumer complaint received 2022-10-11
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. (OH)

XXXX XXXX sc XXXX XXXX. States I have the right to privacy. 
XXXX XXXX sc XXXX XXXX. states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 
In accordance with credit reporting act the following accounts on my report violates my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-27
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: CLGF Holdco 1, LLC (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler, a debt collection lawyer, is trying to garnish my wages for a debt I do not have, or know anything about, from XXXX XXXX XXXX. XXXXand XXXX says it represents XXXX XXXX XXXX. as well in this matter. I have not had a loan, nor a credit card from anyone in over 20 years, let alone XXXX XXXX. They don't state what type of debt it is, nor do they state the amount, nor any dates regarding this " loan '' .This sounds like a scam on their part.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX ( Listed over 14x ) Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # XXXX Have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) states I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1981s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Address : XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employers : XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On friday XX/XX/2023 I got a direct deposit from my job. As soon as the money was on my account bank of america took it and applied it to my other account I have with them that was overdrawn. Payments were being made to the overdrawn account. They decided to take all of the money and leave me with nothing to pay rent and utilities. I called them to get the transfer reversed. But they were unwilling to help. I even said that I just needed back what i need to pay rent and the rest could go towards my overdraft. I eventually asked to talk with a manager to see why they wouldn't reverse it. All I got from her was attitude. I never received any phone call or e-mail from them stating that this what they were going to do. They told me they didn't have to call me and let me know what was going on.
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (NV)

I have asked American credit acceptance to defer my payment, they keep saying I do not qualify and make payment arrangements.. I keep getting asssed late fees, and going back in a circle. I lost my employment due to XXXX, my wife almost passed, still on XXXX, and I just started working again and cant get ahead.. my rate is XXXX plus percent and Ive always made my payments but now I need the help and they rather get fees, interest instead of helping me. 
Ive asked for help since XXXX and they refuse!
Consumer complaint received 2020-09-07
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. (NJ)

I've sent four letters regarding 1 negative accounts that appear on my Experian Credit Report. ( XXXX XXXX ) Each response I received back stated that Experian was able to verify each account and it's reporting accurately. How is this possible when XXXX has the same account and was unable to verify it. Since XXXX was unable to verify the account after 30 days it was deleted from my report but Experian had the same amount of time as XXXX and was able to verify it and state that it's reporting accurately. Despite three written requests, the unverified item listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that this item is being reported correctly? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-11-17
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. (TX)

I MADE A PAYMENT TO XXXXXXXX XXXX, MY CREDIT CARD COMPANY IN THE MONTH OF XX/XX/2022. SUBSEQUENTLY, IT WAS REPORTED LATE ON MY CREDIT REPORT WITH ALL 3 BUREAUS. I HAVE INFORMED EACH BUREAU AND XXXXXXXX XXXX  OF THE ERROR. A LATE PAYMENT STILL REMAINS ON MY CREDIT REPORT.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (PA)

On XX/XX/2021 I was arrested and brought to my state prison. I was charged with simple assulat. My card was stolen and over {$4900.00} was charged to my account while I was incarcerated for various different transactions, all while my SSI benefits were being placed on the card monthly. I made a police report, stopped my card and requested a new one, disputed the transactions as well as provided the company with all the necessary paperwork. After the 10 business days, I was denied my credits back due to their investigation no error had occurred. The representative who placed the dispute in my file completely botched it and put the wrong transaction amounts as well as a completely different dispute amount totaling only {$3700.00}. Which we all know that while being incarcerated especially by XXXX  XXXX XXXX, you have no credit cards in prison. I have spent over 60+ hours on the phone with Netspend to be denied cooperates information, as well as promised call backs that never occur. My car insurance lapsed due to this fraudulent activity, as well as I am losing everything that I own in my storage unit because both accounts were set up for auto payments and there was more than enough funds available to cover them while I was away. On top of denying me my refund they have also charged numerous fees. Above and beyond this there was a representative that works there, their contract is out of the XXXX, who also took all my personal information home with them after a call was disconnected, and hit me up on XXXX. They are complete fully ignoring privacy laws, consumer rights, committing fraud, stolen identity privacy acts, as well asConstutional rights and laws.