davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
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)

I was notified by Experian that an account I had with XXXX XXXX XXXX had been closed. In the notations it said " Account closed at consumer 's request ... ''. I disputed this for a few reasons. First, I had never been contacted by XXXX XXXX about this account nor had I in any way requested the account be closed. I then disputed XXXX XXXX 's claim via Experian and have recently been told the exact same thing ; in effect, my dispute was worthless. Another reason I disputed this issue is that it's well known that XXXX XXXX has had issues with ethics in recent years and this seemed to be another ( albeit small ) example ; misstating the facts. If XXXX XXXX can actually prove that the consumer ( me ) asked for the account to be closed I will retract. However, I can not, no person can, prove a negative ; I can't prove something I didn't do other than simply stating I did not request for the account to be closed.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (GA)

In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and XXXX. XXXX bank lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Since XX/XX/XXXX, Bank of America ( not our bank ) has been withdrawing funds ( termed " pay by phone '' ) from our brokerage account with XXXX XXXX. We have no idea where these funds are going and have never approved any such deductions from our account. 
XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$40.00} We contacted the Bank of America fraud line and were told that our bank would need to initiate a fraud complaint. We were told by XXXX XXXX that it was up to Bank of America to solve the problem and that the only recourse they have would be to close our account and open a new one. Thus, all direct deposits ( Federal pension, etc. ) would need to be rerouted to the new account. We have filed an FTC complaint ( # XXXX ), but to date we have not been able to stop the withdrawals.
Consumer complaint received 2022-04-02
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc. (OR)

on XX/XX/XXXX I received notice from my mortgage broker that there was a debt collection notice on my credit report which had dropped my XXXX credit score down to XXXX. 
The collection agency is Aargon -phone number XXXX. 
I contacted my credit monitoring company XXXX XXXX XXXX. Working with them we contacted Aagon, connected with a customer rep and was put on hold and then disconnected-this happened twice. I then called at XXXX XXXX, spoke with XXXX who said he had 30 seconds to speak with me then hung up on me as I was explaining the issue. 

The debt is listed for {$85.00} dated XX/XX/XXXX. I have not received any overdue bills or notices from this collection agency before today. I couldnt even find out where this bill was generated from. 

I am concerned that this agency is a scam and its about to significantly impact my interest rate and credit score.
Consumer complaint received 2020-07-23
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. (NY)

Loan Account # XXXX Dear Sir or Madam, In response to a Consumer Finance Protection Bureau complaint, on XX/XX/2019 I received notification from XXXX  XXXX that my account will be reported on all credit reporting agencies as Paid in Full, current as of XX/XX/2019. 

As of the date of this letter my credit bureau accounts are being reported as follows : XXXX  reporting as charge-off XXXX  reporting as Paid or paid as agreed Experian reporting as paid account/charge off My auto loan account was mostly paid off by my insurance company ( XXXX ) after the car sustained a total loss in an accident. A balance remained, of which I paid off in a monthly installment plan. 

As of current my account is still reporting as charged off on 2 credit bureau reports. This incorrect reporting is causing me a great amount of hardship. I am currently out of work and unable to accept a job offer that requires me to commute 30 miles because I cant get a car loan to purchase a vehicle due to the charge off on my credit file. 

Ive made multiple disputes via the credit bureaus and each time this charge off status has been re-affirmed by XXXX XXXX. 



Sincerely, XXXX XXXX
Consumer complaint received 2019-11-16
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. (AZ)

XXXX XXXX acquired XXXX 's XXXX XXXX in 2014, read attached. 
XXXX XXXX has NOT reported my good account with XXXX 's XXXX XXXX card. 
Transunion has not recorded my good account on my credit report.
Consumer complaint received 2022-04-02
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I purchased an investment property with XXXX last XX/XX/XXXX. The servicing is done in MiMutual Mortgage 's website, payment comes my business checking account using XXXX Mortgage 's name in the transaction description and each statement has XXXX Mortgage 's name in every page. 

Their last statement was produced XX/XX/XXXX for payment due XXXX. I have been since XX/XX/XXXX calling them because they don't have my XX/XX/XXXX statement which should have been produced XX/XX/XXXX. In these last 3 weeks they have told they will fax it, they will mail it, they will email it, 2 hours, 2 days, 3 days, etc and while I have spoken to several managers and supervisors because every single promise has never happened so each time I speak to them they apologize for the inconvenience followed by suggesting they can only submit another request. Today is XX/XX/XXXX and I don't have XXXX 's statement either which was supposed to be produced XX/XX/XXXX. 

They have told me they had an issue with statements but we are now 2 full monthly statements not provided and 3 weeks of hearing the same I need a statement for a home purchase and even this does not motivate them to actually provide a statement, I have made all my payments including XX/XX/XXXX one even though I do not have a statement
Consumer complaint received 2021-05-05
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. (GA)

My federally protected Consumer rights were violated because Equifax furnished false information without my written consent. I never gave Equifax any written instructions to furnish anything on my Consumer 's report. No consent is Identity Theft and infringement on my Consumer 's right to privacy. Based off Equifax violating my consumer rights I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX  and stress because of these results.
Consumer complaint received 2019-08-14
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: AmeriCollect (GA)

Americollect is continually reporting an entry on my report that they are unable to validate. On numerous occasions ( see attached ), I have requested debt validation from them and they are yet to provide. In their most recent communication, they provided a mere typewritten statement that was not letterhead. In my most recent communication with Americollect, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until the debt has been validated by me ; to date, to no avail. The mere fabrication of an invoice from them as well as the copy that reflects XXXX is insufficient in justifying that this alleged debt belongs to me. Being that Americollect has nothing to substantiate their erroneous, inaccurate reporting, this entry must be deleted from my credit reports immediately.
Consumer complaint received 2022-04-02
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. (MO)

On XX/XX/2022, I went to XXXX XXXX located in XXXX XXXX to obtain a personal loan. The first thing they had me do is sign a piece of paper stating that they were allowed to run my credit. After the lady was taking my financial information we realized because of my lack of income that I would not qualify for a loan. Because of this we both agreed that it would be best if I tried to have my wife cosign on the loan. After speaking with my wife she stated that she did not want to go through with that. I received several calls from the company but I never answered. We had decided that we would not go through with a loan. After the company did not get a hold of me they still proceeded to run my credit check on XX/XX/XXXX several days after I left the office. When I went up there to ask why they did that they said they had already ran my credit that day. So I asked her if she ran my credit before I gave her all my information in which the obvious answer was no. Her statements were obviously false because when I left the office the lady and I both agreed that I would be denied. So why would they run my credit knowing that it was going to be denied? I have a video of the conversation with the woman that ran my credit which I can provide. If someone was to investigate this I'm sure they would find that that's her job to run credit checks. I feel this is dishonest, unfair, and quite frankly a waste of eveyone 's time because as we had both agreed with no income my credit would be denied. So why would they run my credit anyways? I would like an investigation into the matter. I would also like for them to reverse any damage they have done to my credit do to an unauthorized credit check. These companies should not be allowed to do things like this. I know I signed a piece of paper but as I stated earlier we both agree that I could not qualify for a loan without any income. Also to run my credit days after I come into the office because they could not contact me by phone is fraud. For them to have a customer sign a paper for a credit check first before they even gather information about the finances of the individual is a scam so they can get away with things like this. 

Company : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

I purchased furniture from XXXX XXXX XXXX and its the credit card issued they said this card would not be charged until o received my product the purchase was made XXXX XXXX with a eta of XXXX it is now XX/XX/XXXX I still have not received the furniture but my card was charged. This is unethical and caused me to lose 30+ point on my credit. After the eta wa a passed the contract became void and this card should not have been charged i reached out to the furniture company because its hard to get in contact with a representative at both places I want this fixed the card was charged XX/XX/2022 XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

In pursuit to the fair debt collection act, 15USC 1692 sec. 809 ( b ) XXXX  XXXX XXXX XXXX is required under the above named titled and section, to show their lawful authority to collect on an alleged debt claim.. The documents that was sent too me in response too a debt validation letter that was sent too said company as a attempt to validate the debt does not conclude that a debt is owed too XXXX XXXXXXXX XXXX XXXX I informed XXXX XXXX XXXX XXXX that the fact that a debt is owed does not give them legal right to collect on the debt.. I've sent them a 3rd debt validation latter demanding them to show me their legal standing to collect this debt by showing me their lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed to the assignment of the debt ; WITH MY INK SIGNATURE anything outside the scope of this evidence constitutes defamation of my character and i would be forced to take legal action against XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
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. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (OH)

I opened an XXXX XXXX XXXX account with XXXX XXXX  on XX/XX/2020. This was done online. I used the XXXX App to transfer {$1000.00} from my US Bank checking account to this new XXXX account. The money was withdrawn on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX stating that the transfer could not be completed. I was instructed to contact the financial institution that the funds originated from in order to receive my refund. I have since talked to branch managers and customer service from both XXXX and US Bank. They tell me that my money is being held by XXXX ( a third party company they use for bill pay and online transfers ) However, not one of those three companies is able to return my funds to me. I even filed a dispute with US Bank on XX/XX/XXXX which the denied about 2 weeks later. I am at a loss as to how to proceed from here.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

I have an account with https : //my.equifax.com and when attempting login and unfreeze my credit file it prompts this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after 3 incorrect attempts. '' This combination is accurate as it is saved by my computer for reuse and it's the same problem I've had in the past with Equifax. I tried to use their automated phone service, but it too has many bugs. Finally I faxed them ( XXXX ) my drivers license, SSN, DOB, five years of addresses, and also mailed the same information to them. 

Since I am attempting to secure a mortgage there is a sense of urgency on my part to have Equifax respond. XXXX and XXXX have efficient freeze and unfreeze processes, but not this company.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This company called XXXX XXXX say I have a open account with Capital One. There is another company who is handling this case I filed Bankruptcy in XXXX the account XXXX XXXX has was discharged chapter XXXX I do owe Capital One money but not from XXXX XXXX that credit card was paid off or discharged
Consumer complaint received 2019-08-14
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. (OH)

Transition continues to report two accounts from XXXX XXXX and one from XXXX XXXX on my report that stems from identity theft. The accounts are for ( {$15000.00} ), ( {$3100.00} ), ( XXXX XXXX {$2000.00} ) This account was previously deleted from my report the was added back to the report. I resubmitted the identity theft report and other documents including a copy of the fcra 605b saying that any items that are on the identity theft repot should be deleted/blocked within 4 business days. This item is still on my report.
Consumer complaint received 2023-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-14
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: EQUIFAX, INC. (GA)

XXXX and XXXX are incorrectly reporting to Equifax and XXXX duplicate items in the amount of {$10000.00} on the XXXX account number XXXX and the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) This duplicate reporting of the same account is harming my credit score and is a violation of the Fair Credit Report Act. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.