davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (TN)

Please be advised this is my SECOND REQUEST. The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (NY)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY ()

On the first week of XXXX I noticed some charges on my bank account that was not made by me. I reported fraud on the app and called the Wells Fargo to try to get my money back. I explained that I dont live in the US anymore, I gave proof of my residence in XXXX . My debit card got cloned and was used to put credit on a prepaid phone from Georgia and other things like food. I cant be me, because Im not in the US. The bank opened an investigation and decided twice that because the thief used my PIN number it was approved by me. That cant be true because the debit card is here with me in XXXX. Im already filling a report at the XXXX XXXX police department because what happened is fraud and the bank refuses to believe me. I have proof of all my calls, the claim number, the email I got saying that someone tried to used the card to put credit on a number that doesnt belong to me.
Consumer complaint received 2022-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I never open an account with these companies and I believe the accounts are fraudulent : XXXX. XXXX XXXX- an account was open on XX/XX/2019 for amount {$1100.00}
Consumer complaint received 2022-08-08
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. (MO)

the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. XXXX XXXX XXXX XXXX Bank 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 2022-07-29
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. (NY)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I've been contacting Equifax for over XXXX months trying to change my address. First I tried to do it online by downloading documents on but it wouldn't work. The website was not taking my documents. I've spoken with a customer service representative from Equifax at least XXXX times and I still haven't gotten anything resolved. After I couldn't download the documents on the website when I was speaking with the customer service representative on the phone. They sent me a link to click on to see if I can send it that way that didn't work. So I called Equifax and find out what I can do other than download the documents they told me to send in a copy of my social security card my driver 's license and a copy of a utility bill which I sent in XXXX months ago I've been calling trying to find out whether they received it. Or find out whether there's has been any update and I keep getting the runaround from them. I've been going through this process for over XXXX months now and I haven't gotten any results. The address that they have for me on file is not the correct address I have lived XXXX places since that address. I'm at my Wit 's end and I don't know what else to do I sent in my information. Which I checked with them and they saying hat they did not get it and there's no update. At the time that I did call for the update I asked them to send me out a credit report. Which I didn't get, they sent me a bunch of papers explaining some stuff that I didn't even ask for. And the only thing that they sent me as far as a credit report they didn't send anything as far as my personal information on a credit report all they sent me only a list of inquiries. The customer service is terrible and I don't know how to solve my problem they have my address down is something that it is not. And I haven't been able to change it. This is really frustrating. I don't know what to do I need advice on what I need to do!
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma (MA)

I went to do an extension for my auto loan when i was leaving the country for vacation. I did not get a piece of paper i needed to sign and return to make it happen. So i made every payment since then for my account but because i did not make that one it has been showing on my credit score as 3 missed payments which is not correct at all. 1 missed month but it wasn't even missed in reality. They just didn't tell me about the piece of paper i needed to sign because i would have told them i will be gone for a month and not able to get the paperwork anyway.
Consumer complaint received 2022-04-25
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. (MS)

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. 

XXXX, ACCOUNT NUMBER - XXXXXXXX XXXX XXXXXXXX XXXX, ACCOUNT NUMBER - XXXX 15 U.S.C. 1681 Section 602 A section states : I have the right to privacy. 

15 U.S.C. 1681 Section 604 A section states : 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 convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-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 2022-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX {$15000.00} was wirelessly transferred out of my Citibank checking account without my authorization. I did not receive any alerts from Citibank by text, phone or email when this transfer occurred. I noticed the missing funds when I checked my account that evening. In addition, I was also charged for the wireless transaction that I did not authorize. I immediately called the Citibank fraud unit and informed them of the fraudulent activity on my account. I also completed an affidavit at my local branch on XX/XX/XXXX. I filed a XXXX  report at my local precinct that week. The fraud department at Citibank notified me that even though they have evidence that this transfer was fraudulent, they need to investigate further and that this investigation could take up to 60 days. I called weekly to get an update and ask for escalation however, I got the same response each week " We have a lot of cases and you have to wait ''. They also told me that the investigator completed the investigation and they are waiting for an approval from the back office team. The investigation took over 90 days, which exceeded their 60 day time frame. 

On XX/XX/XXXX I received a decision letter on Fraud Claim from Citibank ( Claim Number # XXXX ) with the following message, " We have completed our investigation of your fraud claim. Please note that it has been denied. Our decision was based on " You did not take adequate steps to safeguard your account ''. 

I do not agree with this decision. My account information including my debit card and banking checks were not lost or stolen. I in no way did not take steps to safeguard my account. A wire transfer was completed without my authorization. There is no way I could have prevented this event from occurring. Citibank confirmed that it was fraudulent but are placing the blame on me. My funds at Citibank are FDIC insured up to {$250000.00} and yet they will not return my funds to me. 

I am going through economical hardship and Citibank has been not sensitive or helpful in navigating this process, even though I have been a client of theirs for over 20 years.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated code 15 U.S.C 1681 Sec. 602 A which states that I have the right to privacy. Also Code 15 U.S.C 1681 Sec. 604 A Sec. 2 states that a consumer reporting agency can not furnish an account without my written instructions. Also the information on my report isn't 100 % correct, that also violates my privacy.
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking XXXX, TransUnion, and XXXX to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.
Consumer complaint received 2020-03-13
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: EQUIFAX, INC. (CA)

I have over 100 inquiries on my credit report that I did not authorize. Those inquiries along with the fraud alert on my file is making it very hard to obtain a home for me and my children. I have reach out through mail and over the phone to have the inquiries removed and nothing has been done.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated code 15 U.S.C 1681 Sec. 602 A which states that I have the right to privacy. Also Code 15 U.S.C 1681 Sec. 604 A Sec. 2 states that a consumer reporting agency can not furnish an account without my written instructions. Also the information on my report isn't 100 % correct, that also violates my privacy.
Consumer complaint received 2022-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OK)

I have been a XXXX XXXX for XXXX years. I am attempting to participate in the PSLF program waiver. I must first consolidate my loans. My only option was to do this through Fedloan. I submitted my application in XXXX or XX/XX/XXXX. I listed my loans that I wanted to consolidate as being held by XXXX, which they are. Fedloan, however, changed the loan holder to XXXX then cancelled my application because XXXX didnt have any eligible loans for me to consolidate. I literally spent hours on hold trying to get someone at Fedloan to assist me with no success. I then sent an email on XX/XX/XXXX. On XX/XX/XXXX, Fedloan responded that I must submit proof of the loans with XXXX. I uploaded that immediately. On XX/XX/XXXX, Fedloan replied that they had reviewed my documents and the loans were valid and qualified and that they would reinstate my application and my loan consolidation would be disbursed within the next 30 days. On XX/XX/XXXX, I checked my status and saw my application had been denied because, The current holder of your loan has notified us that they can not accept funding for this loan. Please contact the current loan holder to resolve the issue. I immediately contacted XXXX and was told that they had sent Fedloan the payoff amount due on XX/XX/XXXX, and there was no problem on their end. 

Of course its impossible to contact Fedloan, although Ive been trying since XXXX, XX/XX/XXXX. When you call youre told the wait is longer than 20 minutes. They offer to hold your place in line and return your call, but the last time I did that I waited nearly 2 hours for a return call, only to be placed on hold for 45 more minutes. Then, Im directed to a person who can never see my account and tells me I need to speak to someone in consolidations. So Im placed on hold again for over an hour. I asked for a direct number to consolidations and they dont have one. 

This program goes away in XXXX. I cant get Fedloan to even accept my application in 4 months.

I work. I do not have hours to sit on the phone. Fedloan needs to correct the situation with my application and they need to answer their phones! Even taking 2-3 weeks to respond to an email is ridiculous.
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (MD)

On XX/XX/2022 I used XXXX to pay bank of the west on my behalf. Payment ID XXXX. XXXX sent {$1600.00} to bank of the west and they received the ach on XXXX ach trace # XXXX. I have called bank of the west multiple times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). I gave bank of the west the trace number starting XXXX once I received it from XXXX Every time Ive called they keep saying its being sent to escalation and call back in a couple business days.Im told today XXXX that bank of the west returned the funds but they are unable to give me a date or trace number. XXXX is not showing a return of payment. XXXX has been very helpful and timely helping me research this payment. Bank of the west has not posted it to my account and cant give me the return payment info. What I am asking is that you help me with bank of the west and finding where my missing funds are and why they havent posted to my account. Thank you
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (TX)

I was the account holder in PrimeLending. I recently refinanced my loan with another lender. A payoff letter was issued by PrimeLending with effective date from XX/XX/XXXX to XX/XX/XXXX and the refinance was closed on XX/XX/XXXX successfully. The title company wired the fund on XX/XX/XXXX, and the funds where confirmed received by Prime Lending at XXXX XXXX. 
On XX/XX/XXXX, 6 days later ; the wired funds where returned to the title company without ANY explanation as to why. I have since learned that Prime Lending paid the invoice for my old home owner insurance on XX/XX/XXXX ( after they received the payoff from the title company ). And now my mortgage was sold to XXXX XXXX XXXX XXXX XXXX by Prime Lending on XX/XX/XXXX. 
I need a response to this complaint as soon as possible my entire refinance process is in jeopardy and I may lose my new rate AND cost significant money already spent on the new loan. Please provide an immediate resolution to this.
Consumer complaint received 2022-08-18
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. (MS)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2022-08-17
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX FL XXXX Balance - XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX - If you feel there is a possibility these ITEMS XXXX to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (TX)

I have an auto loan with US Bank. In 2019 I filed for bankruptcy and re-affirmed the loan. When the bankruptcy was complete in XX/XX/2019 US Bank stopped reporting to any of the XXXX XXXX XXXX. I am trying to refinance this loan to reduce payments and I can not because nothing is showing that I even have an auto loan. I need a way to show that I have been making all of my payments on time and I am in good standing.