davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2020-10-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Now as an excuse you are saying the complaint did not come from me. THE COMPLAINT CAME FROM ME. YOU DID NOT DO/COMPLETE YOUR INVESTIGATION WITHIN THE LEGAL 30 DAYS.
Consumer complaint received 2016-05-09
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (OK)

When we bought this house in 1977 it was not in a flood zone. In XX/XX/2016 Freedom mtg. informed me we were in a flood zone and had " 30 '' days to get ins., my agent said he could not get the ins. that fast. I called Freedom mtg. they said they would make note of that and I said I would have a policy to them as soon as possible. They proceeded to get their ins. and said I needed to pay the premium or they would foreclose. After receiving my policy they canceled theirs, then sent a letter saying they were going to foreclose because I had n't sent them {$140.00} for the time they had placed flood ins. on our property. I paid the amount within the 35 days, in fact I still have 20 days left. I received 12 letters in 2 days saying they were going to foreclose and now they have ordered an appraisal and are going to charge me for that. They are about to drive me insane and I would never refer anyone to them.
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The credit bureaus Transunion, and XXXX are in clear violation of the FCRA where it states that bureau 's can not report while a dispute is under investigation
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2015-09-12
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nelson and Kennard (CA)

XXXX I voluntarily returned a XXXX Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you.
Consumer complaint received 2020-10-16
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc. (IL)

The company F H Cann & Associates Inc. keeps contacting my brother repeatedly about my supposed debt. I've never heard from them, never received any letter from them detailing the debt. The company above revealed to my family member that they are trying to collect debt and keep spam calling them multiple times a week. They are not supposed to call more than once to obtain information about my whereabouts, yet they are spam calling every week. They are not supposed to talk to anyone other than my parents and potential spouse, yet they are contacting my brother repeatedly.
Consumer complaint received 2020-10-16
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. (AZ)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, and TransUnion has XX/XX/XXXX and XXXX  Has NOTHING!. Please tell me how this information was verified by the same creditor but still report inconsistently across the three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account name : Dept XXXX Account # XXXX Account name : DeptXXXX Account # XXXX Account name DEPTEDXXXX   Account # XXXX
Consumer complaint received 2016-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This company has put an erroneous entry on my report from XXXX apartments and Fair Collections and Outsourcing. The only verification anyone has received about this entry, is verification of my name and that I lived there, which was never the dispute. I do not owe this charge. This company failed to provide me with the photographs they claimed to have showing the things I was being charged for nor did they provide me the receipts proving they paid out for these charges. No business would pay this kind of charge without confirming the alleged damage and proof of the repairs.
Consumer complaint received 2022-07-20
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. (MO)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX 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
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I received an offer from XXXX offering XXXX XXXX with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called XXXX XXXX rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing XXXX XXXX ( processor of XXXX XXXX ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, XXXX is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The XXXX card still came in the mail and didn't show as closed in their system 2 weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and XXXX XXXX XXXX card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX XXXX  exact wording in emails received states : " XXXX XXXX is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept. I've reached out to XXXX multiple times about reporting this inaccurate account and tried to dispute but they say I need to reach out to XXXX XXXX. XXXX XXXX states they will not change anything on my report.
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (NC)

I used the credit platform affirm to purchase a bed I then Paid off the full debt however The bed did not work out and I returned it they gave me a full refund. I returned back to the firm however They said they attempted to place the money back in my account and I never had any transaction doing an attempt They also never contacted me to let me know that there was a refund and so there was no additional attempt when they could not put it in my checking when I realized it close to a month later they were making no attempts to send me the funds I had to speak to several managers and have been disputing with the company to get the money back for two months and they still have not returned my funds they send me emails telling me that it will arrive however its been two months and still no refund on the funds They are a scam and they do not refund money if the stores that you purchase from refund the money to you
Consumer complaint received 2018-12-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

Anytime I apply for credit using my social security number, the creditor will see on my credit report of extended fraud alert listed with my phone number, so they may contact me before credit is given to me. They usually ask me security questions to verify my identity. In this scenario, someone used my personal information and received credit line with XXXX XXXX. I was never notified by the creditor and was informed once the account was in collections. They have declined my requests for fraud, stating payments were made from bank account over the last couple of months. They verified payment funds came from XXXX XXXX, and I do my banking with XXXX XXXX XXXX. I have never held XXXX XXXX account. The name of the XXXX account, and my XXXX account do not match, and XXXX XXXX will not do anything to resolve issue. They have failed to take the necessary steps to verify my identity, extended credit without confirmation, and want police report stating I was victim of fraud before they could resolve issue.
Consumer complaint received 2017-08-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Mid-Atlantic Finance Co., Inc. (GA)

There is currently an inaccurate item being reported on my credit report from Mid Atlantic Finance I have contacted this company at the address listed on my credit report here:XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I 've had my mail returned because this company is reporting incorrect info about me I understand that this is against the fair credit reporting laws.My attempts to have this debt validated were failed and after months of sending letters to address I found online I never received a reply.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TRANSUNION and XXXX are refusing to remove inaccurate accounts on my credit report!!! Please Help! 

XXXX did a PROPER investigation and found the following accounts are inaccurate and have deleted them from my credit profile... please see attached TRANSUNION and XXXX never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate across all three Bureaus. 

They stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal of ALL inaccurate items on my credit report Also the credit bureaus took more than 30 days to complete an investigation The accounts in Question that XXXX has deleted from my credit profile : 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 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a signup offer of spending {$1000.00} and get : 1. 30000 XXXX XXXX miles. 
2. {$100.00} statement credit. 
3. Free Companion fare ticket XXXX {$99.00} XXXX. 

However, after I spent {$1000.00}, I received only 30000 miles but not 2 and 3. I called BOA and the customer representative had no idea what I was talking about and even transferred me to XXXX XXXX to ask for my statement credit. 

I have no clue in how to request {$100.00} credit card statement from XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I reported on numerous occasions that i have infomration on my credit account. Fraudlent activity relating to accounts, XXXX now has confrimed that all of my personal infmation was involved in a big data breach and my personal infomation was compermised. ( social, bithday name etc. 

I have requested to have items removed it is affecting my credit, they have not removed them off of my account.
Consumer complaint received 2022-07-20
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. (IL)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX Balance Owed : {$2400.00}
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Wakefields and Associates, XXXX XXXX WERE REMOVED FROM THE CREDIT FILE. On the reinvestigation XXXX XXXX and Wakefield and Associates, and XXXX XXXX XXXX are all Harassing me and my spouse got us put out by the Sherriff Stolen Property, since creditor came, {$36000.00} XXXX truck, Scooter and Damages to door windows, stolen property, on adding it all. {$200000.00} and they were deleted ever XX/XX/XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed : XXXX XXXX XXXX XXXX Balance Owed : {$90000.00} ; XXXX XXXX Balance Owed : {$32.00} ; XXXX XXXX  XXXX Balance Owed : {$3800.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00}
Consumer complaint received 2020-10-16
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: CL Holdings LLC (TX)

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX/XXXX/20 XXXX/XXXX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2020-10-16
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: SUN LOAN COMPANY INC. (TX)

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/20 XXXX/XXXX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.