davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted by certified mail to all three credit bureaus Affiant Affidavit in Affirmation of Facts, please see attached. 
Similarly, XXXX does not establish the ownership of this account in accordance with the attached documents and is therefore fraudulently collecting and reporting to credit reports. 
Failure to remove such information from my consumer credit report will constitute legal violations under FCRA based on negligence, and all three credit bureaus will be held liable in court. Please note that I am in the process of buying a house and that you may be liable for both punitive and statutory damages.
Consumer complaint received 2017-12-18
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. (NE)

The credit reporting by Transunion still showed i have a paid federal tax lien on my report. I have disputed it with them 3 times. All of my other federal tax liens have been removed from my report. Even XXXX has removed all of my federal tax liens from my report. These liens were paid XXXX/XXXX/XXXX and all they have done was update, which they should have removed them just like the other 7 which were paid on the same date.
Consumer complaint received 2022-04-01
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. (CA)

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2021-07-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (CA)

OneMain Financial told me that to get a loan, I would need a lien on my car. To get a lien on my car they told me they would need me to pay off all tickets. They told me they could do this themselves. This was back in XX/XX/XXXX. I had an outstanding ticket from XXXX and XX/XX/XXXX. They asked if I wanted them to pay off the tickets, and I agreed. So they took out money from the loan they were giving me to pay off these tickets. I paid off my loan in XX/XX/XXXX, and waited over four weeks to get my new title as the lien will be taken off the car. After not receiving it, I called one main financial and they said that their application to be a lienholder on my car all the way from XXXX have never gone through because one of the tickets, the ticket from XX/XX/XXXX, had not been paid. Apparently they had only gone to pay the XX/XX/XXXX ticket. Now I am unable to renew my registration on my car due to this pending application for a lienholder from XX/XX/XXXX, I am unable to get the title back on my car due to this outstanding ticket that holds the financial company from finishing their application to be a lienholder. I was never told that their application to be a lienholder never went through and it is seven months later. I am now being charged late fees on my registration, I am unable to renew my car registration, and I still do not have the title to my car and its been over five weeks since I paid off my loan. After paying off my loan, they also never told me about this application issue that would stop me from getting my title. I have called plenty of times throughout my loan., And Ive never heard anything about this.
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the stress you caused me. My information was also impacted by the XXXX  and XXXX XXXX breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

I took a forbearance option for Covid relief in XXXX XXXX XXXX  with Freedom Mortgage Corporation. During this time I was told XXXX of my options under this program was that I could put the payments missed toward the end of the loan interest free and that it would be discussed that the end of the forbearance term. I had XXXX extensions, XXXX in XXXX, and XXXX in XXXX XXXX XXXX, both to which I was informed for clarification purposes that my option was to put the payments at the end of my loan term interest free and this option would be enacted at the end of forbearance. It is now that time for this option to be enacted and I am told that option is no longer available under the VA and my only XXXX options is to pay an additional XXXX a month for 6 months it start a new term loan with skyrocketed interest rates under a new term if I qualify. Im not sure how this relief plan helped anyone but I am cheated.
Consumer complaint received 2021-05-04
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. (CA)

On XX/XX/2021, I reached out to the three major bureaus about inaccurate information on my credit report, and asked for them to be corrected. It has been over 45 days and I still have not received a response in regards to my complaint, I feel as if I am being taken advantage of, and my rights are being violated! 15 U.S.C. 1692d states that companies are not allowed to abuse, harass, or damage my reputation. By reporting these late payments on my account I am being harassed and my reputation being damaged! I would request that these late payments be removed and updated to paid as agreed.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX  banks with Truist Bank and on XX/XX/2022, XXXX wired {$100000.00}, through their XXXX XXXX System to XXXX XXXX ( the recipient ) a vendor in XXXX to purchase vehicles for our XXXX Project. The recipient bank XXXX XXXX is in the XXXX XXXX XXXXXXXX XXXX use the recipient account number and the swift code to do the wire. The wire went through XXXX XXXX. On XX/XX/2022, the wire was returned in the amount of {$100000.00} and the return documents says the originator of the wire was XXXX XXXX XXXX in XXXX and the invalid XXXX was used. XXXX never used the XXXX to do the wire and after several attempts to contact Truist, who gave the same explanation as the returned advise, XXXX  was unable to find out the real problem. Many attempts to Truist XXXX wire department resulted in waiting time of 20 to 30 minutes and one such call resulted in 1 hour and 15 minutes with no one answering the phone. Finally after XXXX XXXX XXXX threatened to complain to CFPB we were given several names which resulted in a phone number to some who finally told XXXX, the reason the wire was returned was wires to the XXXX XXXX XXXX is because only XXXX can be used to do wires. 

The problem is this should have been a flag for the Truist wire system. Why did it take to funds seven days to be returned to XXXXXXXX XXXX bank? Why did Truist no tell XXXX the real reason the wire failed and why is the XXXX number a dead end? Why was {$90.00} taken our of a wire that never went anywhere?
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (NY)

This collection agency Franklin Services is trying to make me pay a XXXX  related services i didnt get from a Hospital nowhere near my city. On there bill, i received 3 services including XXXX XXXX  and XXXX in XX/XX/2020... Ive never got those services so it doesnt make any sense at all ... Because i have proof that the only XXXX XXXX  i got that year was in XX/XX/2020 in a different location and paid by insurance. I dont have records of any XXXX or XXXX XXXX not even from my own hospital and primary care Dr. and why would i go somewhere else? Not to mention that the bill is signed by someone else. not even my signature. And the adress they had was from That State. Id tried to have it removed from the credit thru XXXX with all my evidence and they denied me. I would like to report this matter and have this resolve asap.
Consumer complaint received 2021-05-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I am currently living at XXXX XXXX XXXX XXXX, louisiana and Select Portfolio servicing XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX have seized the property and I have 20 now 14 days to get vacant the premises. I have written them to inform them that the state of Louisiana is in the midst of a pandemic and made partial payments that were returned. now that the property have been seized I will become homeless. I have been living at the residence since 2015 and have sent t hem proof of my residency. they state that since the mortgage holder has passed that I have no rights to the property.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

in accordance with the Fair credit reporting act has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

THIS IS HIPPA VIOLATION AND IDENITY FRAUD I TRY REACHING OUT TO THIS COMPANY AND NO RESPONE CERTIFIED MAIL XXXX ON XX/XX/2022 SEE ATTACHMENT
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

Without my knowledge and consent, PNC fraudulently opened a checking account XXXX in my name with the initial amount of {$0.00}, and started sending me the bank statements and the letters demanding from me to fund the account with a certain amount of money, otherwise they would charge me a fee. For the last two weeks, I've been trying to close that account. On all those occasions, PNC transferred me to the non-working tel. extension. Today, after my legal warning that I would sue them, after 2.5 hours of waiting and constant transfers they let me speak with the manager who informed me that ... once an account is open somehow at PNC, it can not be closed without the authorization of the top bank executives, and, perhaps, I could submit a request for the closure by personally visiting a PNC branch. The closest to me PNC branch is 40 miles away from me. PNC is engaged in the financial fraud by opening the unauthorized accounts and prevention of their closure by all means. Thus, they attempt to fraudulently inflate the number of its customers for the stock gain. This swindle must stop.
Consumer complaint received 2021-07-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION (MO)

On XX/XX/XXXX i seen an add showing that i was pre approved for {$20000.00}. So I applied the company regions bank. After putting in all documentation needed they sent an e mail showing that i had funds awaiting for me. Then got a letter saying that i was denied. The company couldnt give me a valid reason as to why they denied me and told me they couldnt give out that type of information. So they lead me into a false ad that not only hurt my credit score but made me feel horrible as a consumer. They violated me and since they didnt give me an answer as to why it was discrimination section 15 U.S.C. 1691.
Consumer complaint received 2021-07-08
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: Experian Information Solutions Inc. (NC)

I have sent certified letters to each bureau requesting the debt be verified and to no avail. Here are the items on my report : XXXX XXXX XXXX # XXXX, XXXX  XXXX  & XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX. Also XXXX XXXX  XXXX # XXXX.
Consumer complaint received 2020-06-04
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. (IL)

I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX Credit card, date open XX/XX/2018, credit limit XXXX Inquiries made by unknown Identity theft Company-XXXX date XXXX Company- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX date XXXX Company- XXXX XXXX XXXX XXXX XXXX CompanyXXXX Financial Date- XXXX Company- XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries ) Company- XXXX XXXX  XXXX XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- XXXX
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I called us on XX/XX/2016, and enrolled your credit card accounts in Balance Liquidation Programs, which reduced your annual percentage rates and suspended applicable late and over limit fees from being charged. I do not recall being advised you during the call that your accounts would be removed from the programs if the initial payments were returned. We also sent you the enclosed letters dated XX/XX/2016, advising of this information ; which were never received. We received your enrollment payments for the programs on XX/XX/2016 ; however, they were both returned due to insufficient funds. - They payments were not to be made until the XX/XX/XXXXof every month. We sent you the enclosed letters on XX/XX/XXXX, and XX/XX/2016, advising you of the returned payments- those were not received as well however I did make additional payments to replace the ones there after and made payments regularly thinking I was on the program. After the payments were returned the payments were replaced and continued to be made after at no time did I receive any letters stating that the program was canceled otherwise why would I continue to make payments. As far as the other account it is of no consequence I have accounts with other institutions. I do request the late fees and interest be adjusted. I would like the late payment history on my credit to be adjusted as well. I called in on my own to get help I was going through a financial crisis under this thinking I could have let my accounts remain open and not close them myself.
Consumer complaint received 2021-07-08
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. (VA)

My XXXX XXXX Credit Card accounts are paid off but there still being reported as derogatory with all the credit bureaus. I have called them on several occasions and nothing has been done..
Consumer complaint received 2021-02-01
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. (CA)

This account XXXX XXXX XXXX is reporting inaccurate information on my credit report which is a violation of the FDCPA and also FCRA. Ive sent in validation letters on XX/XX/XXXX in which I receiver no response from them and also have documentation with the tracking number showing it was receive on XX/XX/XXXX. Theyre also reporting inaccurate DATE OF LAST ACTIVITY as XX/XX/XXXX in which it has been ILLEGALLY Re-aged and in violation. I have made no payments towards this account none this year and it should not reflect XX/XX/XXXX. Ive disputed this account twice with Equifax on XX/XX/XXXX & XX/XX/XXXX which it came back as verified but yet on my credit report it doesnt show that the account was even verified which is in violation with the FCRA of which I may collect up to {$1000.00} per violation which I intend on doing so unless settled. This account has shows that the account balance is higher than the actual HIGH BALANCE which is indeed inaccurate information. The debt company can not add any fees towards an account purchased from the original creditor, it may only collect what was originally owed which this is violation
Consumer complaint received 2017-12-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Contacted XXXX XXXX XXXX and XXXX XXXX XXXX and they told me that the information concerning settlement was paid had been sent to Experian XXXX XXXX XXXX in XXXX of XXXX. Experian reply was that they had not received this data from the debt collectors.So I sent to Experian the paid receipt from XXXX XXXX XXXX. Experian reply was that they could n't accept the proof I sent them to make any changes to my credit report.
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

I have recently checked my credit reports and it shows that I am in collections with a company by the name of XXXX XXXX XXXX which I believe is tide with XXXX XXXX. Reports state that the account was opened XX/XX/2017 and that I owe {$710.00}. I never opened an account with XXXX or XXXX XXXX XXXX. This account is not mine, this must be fraud. I have attempted to call but they can not find me in there systems.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the accounts that need to be deleted : ENHANCED RECOVERY CO L - XXXX Balance {$740.00} ; ENHANCED RECOVERY CO L - XXXX Balance {$160.00}
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the account still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of accounts that are reporting inaccurately needs to be removed : XXXX XXXX - XXXX Balance {$220.00} ; XXXX XXXX - XXXX Balance {$0.00}
Consumer complaint received 2024-04-30
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.