davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 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.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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 2021-05-21
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: Experian Information Solutions Inc. (VA)

Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$24000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity was XXXX. Experian is reporting an incorrect date of last activity as XXXX. This account is well over XXXX 7 ) years old and this item needs to be removed from my credit report. XXXX is reporting correctly. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AR)

Service date : XX/XX/XX/XX/XXXXAmount Owed : {$610.00} The debt is owed by my mother. She had custody of him during this time. I have constantly told HRRG that I did not have and dont have custody so this should be debted to her.
Consumer complaint received 2017-12-14
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: Experian Information Solutions Inc. (KY)

I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from XXXX stating that they inquiries were factual, while on XXXX they removed at least one, and I looked up experian and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : XXXX : XXXX. XXXX XXXX XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. CXXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX Experian : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX INQUIRY DATE XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 5. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 7. XXXX XXXX INQUIRY DATE XXXX/XXXX/XXXX 8.  XXXX, INQUIRY DATE XXXX/XXXX/XXXX 9. XXXX, INQUIRY DATE XXXX/XXXX/XXXX Thank you for any help that you can provide.
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (AR)

XXXX which provides XXXX services has a technical glitch with XXXX and XXXX browsers. After trying to make payments, session logs out and when I brought this to customer service notice, they were rude and charged me late fees. THis is a way of making money off of customers.
Consumer complaint received 2017-11-27
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: General Motors Financial Company, Inc. (IL)

On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran 9 times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-01-09
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: MOHELA (MD)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I am writing you because the investigation process regarding some accounts that were fraudulently opened are still being reported as accurate and verified which is not true. I have over the years sent in a police report, drivers license, ss card to prove the these accounts were fraud but yet they are still on my credit report. 

XXXX XXXX XXXX account is fraud account- XXXX amt reported XXXX opened XX/XX/XXXX dob is wrong but my name and ss was used XXXX XXXX  XXXX opened XX/XX/XXXX amt XXXX. The name on the card is XXXX XXXX name is XXXX XXXX and also dob is different. 


XXXX XXXX opened XX/XX/XXXX amt XXXX. The address was the card was sent to was XXXX XXXX XXXX in XXXX XXXX. I reside at XXXX XXXX XXXX. A different conflicting personal information was used to open account. 

XXXX account was opened XX/XX/XXXX amt {$6900.00}. This account was opened at a different address using different date of birth. My name and social was used They have not removed the alias names used during fraud XXXX XXXX and XXXX XXXX. Always fraud addresses XXXX XXXX XXXX XXXX XXXX CT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY
Consumer complaint received 2021-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

experian has a scam on my credit report and they have done nothing about it XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX you cant even call to see what it is a scam
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

MY IDENTITY WAS USED WITHOUT MY CONSENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS .. 
I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (GA)

I am having trouble accessing my Equifax account. When I call Equifax they tell me my social doesnt match my name in their system I have tried this process over 10+ times. They told me to send them verification documents. Ex. Social security, Licensed. After documents was sent in they sent me a card in the mail, which said we received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently : You have not actively used credit in the past ten years : You have not lived in the United States or have not been issued a U.S. social security number I also sent them the documents via fax as shown in the documents.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XX/XX/23 I got an email from Bank of America to confirm my email. I ignored it because I do not have an account with them. Today on XX/XX/23 I got a text saying my card was approved and will be sent out. I called Bank of America who said they will cancel it and no transactions have been made.
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 status incorrect
Company: Experian Information Solutions Inc. (NV)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
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: Experian Information Solutions Inc. (AZ)

Company failed to investigate a late payment reporting inaccurately on my credit report I open the investigation they close it the next day as accurate Ive included a letter from the creditor and they still refuse to remove the late payment
Consumer complaint received 2020-09-01
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: EQUIFAX, INC. (PA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$20000.00} DEPT ED/XXXX  XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}
Consumer complaint received 2021-04-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America has put suspected fraud activity on my credit report and i believe its stopping me from opening a checking account ANYWHERE. I spoke with them around XX/XX/XXXX the date of account closure and the lady gave me a hard time so I stopped reaching out. They gave me an original charge off amount of {$32.00}. I cant get an account anywhere and Im quite frustrated with them because I havent been involved in any type of fraud. I also have account abuse ; any amounts owed have been paid for XXXX XXXX. The date of closure was XX/XX/XXXX. Ive paid the balance in full so I would like that off of my report.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I 'm unable to submit my dispute with Experian directly after many attempts I have 2 collection accounts reporting on my credit file that i have no knowledge of and I was not given a DV for any of these accounts I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage is clear we have paid on time and even from the previous lender, never missed or late payments. On XX/XX/XXXX, they received the XXXX mortgage on time and in XXXX, they called to let us know the impounds have increased and the new mortgage amount is~ {$100.00} more. We changed this immediately and began sending the new amount. In XXXX, we found out they filed a late payment to XXXX, XXXX XXXX, XXXX on our credit. A business transaction was canceled due to the bad payment history which is how we found out. Contacted the lender and they said that they did send out written notice ( we never received ) and so they had the right to put the mortgage into a side account and not apply it to the loan and file a late charge on our credit for the entire amount. is this correct? if so, it creates an unknowable situation. They are poor communicators, hard to get hold of, we receive very late or no mail from them and if impounds change again, they can easily further damage credit. 
please advise.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts fail to VALIDATE. After several attempts throughout the year with disputes, there is no documentation nor there is a VALIDATION. The accounts are as followed : XXXX-Fail to respond to validation letter. 
XXXX XXXX XXXX. - ( XXXX XXXX  ) Fail to respond to validation letter. 
XXXX XXXX XXXX. - ( XXXX XXXX ) Fail to respond to validation letter. 
XXXX XXXX XXXX- ( XXXX XXXX XXXX ) Fail to respond to validation letter Also bureau fail to remove unknown credit inquiry XXXX XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been following very closely the activities of my mortgagee, 5/3 Bank. After I complaint about them in regards to the handling of my mortgage deferment, and more than 10 phone calls, the case was finally solved.

I tried to set up auto-pay and log in into my online banking account. To my surprise, 5/3 reinstated two Equity Lines in my name and started reporting since XX/XX/XXXX. 
I am attaching the statements of these accounts. 
The first Equity line of credit account number ending in XXXX is said to have started XX/XX/XXXX, and has a balance of {$11000.00}, no information on next payment amount and a payoff amount of {$19000.00} The second Equity Line of credit account number XXXX states that the account was started XX/XX/XXXX and has a balance of {$25000.00}, no information on next payment amount and a pay-off amount of {$43000.00}. 

Please note that I filed bankruptcy in XXXX and requested a loan modification to retain my residence. Any debts associated with my property at XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX were consolidated in a new mortgage loan # XXXX. According to the XXXX website attached statement, the balance due in this account is {$110000.00}. 

However, the account shown in their Loansolutionscenter.com shows a balance of {$130000.00}, as shown in the attached statement. 

I called their Customer Service department and I was transferred 6 times. I was on hold for more than two hours between transfers talking to one person and then another, who will continue transferring me to someone else. One of their agents told me that they could see that my bankruptcy case was discharged in XXXX and the accounts were discharged. She could not explain why the accounts appear as active now and were started to be reported in XX/XX/XXXX. 

I was forced to file bankruptcy Chp. XXXX in XXXX which was discharged XX/XX/XXXX. I am attaching a copy of the discharge. 

None of the Equity Lines of Credit should be showing in my account, and the mortgage balance should show the correct amount after the deferred amount was added.

I want the Equity Lines to disappear from my account and the mortgage loan to show the correct amount.