davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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. (NC)

XXXX Credit Report is reporting inaccurate, unverifiable information on my Exquifax and XXXX credit reports and are in violation of Federal Law. 

They are listing an account on my Equifax report as XXXX XXXX XXXX with an address listed as " XXXX XXXX XXXX, XXXX  XXXX ''. The account in question is showing up as a {$3300.00} charge-off, and is reporting a balance of {$2600.00}. 

On my XXXX credit report, this same account is being reported as XXXX XXXX XXXX with an address listed as XXXX XXXX XXXX, XXXX, XXXX XXXX. It is also showing a balance of {$2600.00} while simultaneously being reported as a {$3300.00} charge-off with an original balance of {$4200.00}. 

Not only are they reporting conflicting information for the same accounts, their reporting is down right contradicting each report on both Equifax and XXXX. Their reporting is also illegal, and is a direct violation of Federal Law which states that inaccurate, incomplete, and or unverifiable information MUST be deleted from my consumer credit reports. 

In addition to the violation I've mention above, XXXX XXXX XXXX is also in violation of 15 USC which explicitly states that upon receipt of a consumer dispute, they must follow out the laws spelled out below : 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

XXXX XXXX XXXX violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the negative tradeline from my XXXX and Equifax credit reports. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian is in violation of the FCRA. I sent Experian ( via certified mail ) multiple dispute requests dated XX/XX/22, XX/XX/22, and XX/XX/22. Each of those times Experian said the results were verified or they modified the file as a result of the investigation. After 3 attempts of disputing and each time coming back verified, I exercised my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. I stated that any automated response or e-Oscar verification was unacceptable. I listed the accounts in question and sent that request via certified mail on XX/XX/22. FCRA 611 ( a ) ( 7 ) provides A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Experian did not comply with my request for method of verification. On XX/XX/22 I sent Experian another letter via certified mail asking them to delete the accounts in question based on their lack of compliance with the method of verification. I asked them to do so within 15 days of receiving that letter. Experian received that letter on XX/XX/22. As of XX/XX/22 those items remain.
Consumer complaint received 2022-06-07
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. (VA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX collection, Account # XXXXXXXX XXXX XXXX bankruptcy, Account # XXXX XXXX XXXXXXXX bankruptcy, 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 2023-01-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

My mother and I were on a Wells Fargo checking account, which also included a savings account called, " XXXX XXXX XXXX. '' I have the documentation to prove that, with dates and the account number. When my elderly mother fell ill, she moved into a XXXX home and soon after died. There was {$470.00} left in our joint account. The {$470.00} was the amount in the " XXXX XXXX  XXXX '' portion of the combined checking/savings account. After her death, I discovered through Wells Fargo documents that I still have, that Wells Fargo has a different account number for this amount. I went to the local Wells Fargo branch and told them I was the personal representative of my mother, and am on this account, which I have documentation to both, and the banker told me I could take the debit card to the ATM outside, and put the PIN number in to retrieve the money. I did not know the PIN number. My mother was elderly, ill and bedridden. We did not think of the PIN number while she was in the XXXX home and upon her death. I never used the ATM before, therefore, I did not know the PIN number. This bank staff member told me to try XXXX digits that I thought my mother might have used. I tried to explain that it could be any series of numbers in my mother 's life since she had so many years to her life. This individual insisted that I attempt any way and to use old addresses, phone numbers, etc. I did make those attempts. The machine allowed only XXXX attempts, and then locked the account. The bank personnel told me that was all they could do. I made XXXX visits to XXXX different Wells Fargo branches in XXXX XXXX. I spoke to XXXX XXXX XXXX and XXXX branch managers. According to the Wells Fargo bank statement in my possession, on XX/XX/XXXX, the money was transferred to " Unclaimed Property ''. Since my mother 's death on XX/XX/XXXX, I have attempted to retrieve this money that belongs to me, not to Wells Fargo. I have found out that it will cost more to pay to retrieve the money, than the amount of {$470.00}. Now that I am aware of your agency, I am asking for your help. According to your directions, I have not included names, account numbers, addresses or Social Security numbers, however, I do have all of those if or when you should need them. Thank you.
Consumer complaint received 2022-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-06-07
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2022-06-07
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-07
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit, Inc (NJ)

I am a victim of identity theft, and someone obtained a copy of my driver 's license ( through changing mailing address with New Jersey XXXX ) and applied for a motorcycle loan with XXXX XXXX XXXX ( transaction happened on XXXX, location : XXXX New York, amount : {$28000.00} ). 

I was made aware of this fraudulent activity after I received a letter in the mail on XXXX. 

I then filed a police report immediately with my XXXX Police Department and FTC ID theft report on identitytheft.gov on XXXX. And subsequently filed a stolen vehicle report with New York Police Department on XXXX. 

A claim was filed with XXXX XXXX XXXX on XXXX, and denied even though the police report and the FTC ID theft report were all provided to the loaner.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account ID # 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 2022-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I am disappointed with the denial letter and an appealing it. You have done a bait and switch we me and other cardmembers that may have had issues during Covidshame on you. 
Unsatisfactory payment history? Really? Since XXXX I have only been delinquent when I asked you for payment arrangements at the beginning of XXXX when I was out of work other than that 94 % of payments on time. You did not clear the past due payment for 3 months, even though an arrangement was in place. You caused the multiple delinquencies! 
Called in XX/XX/XXXX when I knew I could not make my payment. 
Enrolled in program XX/XX/XXXX Was XXXX payment delinquent! 
XXXX XXXX shows auto pay, but still delinquent for XXXX payment XXXX XXXX shows auto pay, but still delinquent XXXX payment XXXX XXXX shows current payment and auto pay. You made a change to bring the account current. You did that. 
You are also the only creditor that permanently closed my credit line when I asked for payment arrangements. None of the others did that. Also, I was running balances on the XXXX XXXX and XXXX accounts at the same time, and they were never delinquent! So, your denial reason of Unsatisfactory Payment history with Synchrony Bank is bogus. 
I enjoy shopping and XXXX and would hope that they are aware of your awful customer unfriendly credit practices. They lose customer spend when you do this. 
Please reconsider my request for a card. Which should be a reinstatement, not new credit.
Consumer complaint received 2022-06-07
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. (GA)

I have tried to dispute many objects on my transunion and XXXX report. Transunion is always rude when I call. They will not delete anything. I sent in the documents that is paid to delete and they are still there such as XXXX  XXXX. I have all these unknown inquiries and they tell me it is not their issue. Instead of my credit report getting better with transunion it is getting worse. I am not sure if the companies is reporting things correctly or how transunion is recording my data but it is not correct. It makes an adult like myself want to give up on trying to fix my credit. My credit is progressing with other bureaus but transunion, it is rapidly declining. I am not sure what else to do.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this FIDELITY CREDITOR SERVICES account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even though they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that was generated the original balance is {$1400.00} but as of this writing, it is now reported to be {$1900.00}. As far as I know, I never agree to any terms and conditions for this reporting nor I did not agree to any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in the right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damages consumers rights.
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (AR)

On XX/XX/2022 I tried to make a withdrawal at the XXXX ATM in XXXX, Ar located inside the XXXX for {$100.00}. The ATM only dispensed {$20.00} and gave an error message. I immediately called the cashier over and he grabbed his boss. She informed me that the ATM was a third-party ATM and I would have to call XXXX. I reached out to XXXX  and they immediately informed me that the money was reversed over to chime due to the error. I have called Chime numerous times and am either hung up on by the reps, asked the same questions, and sent the same generic email with no update. This was not an error on my end and it has caused me to be delinquent on bills I have set up in this account. They will not release my funds or give me an update. This is not right. The money was reversed the same day and we are almost at a month. I have called over 50 times and sent various emails, reached out on XXXXXXXX XXXX, etc. Many people have reached out to me with the same issue with Chime. This could have been resolved same day with a simple call or email to verify with XXXX. I believe Chime holds these funds for 30 days to make their profits/interest accrue for the month while putting their consumers in tight situations. XXXX  '
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My original loan amount taken out on XX/XX/XXXX was for {$670000.00}. The new loan amount is now {>= $1,000,000}. Because my loan was a Negative Amortization aka Neg-Am ARM Loan which was deemed illegal as per the XXXX Dodd-Frank Act because it contained both an Interest Only component and the Neg-Am component in which all lenders were required to modify ALL Neg-Am loans because of the Taxpayer Bailout banks and finance companies received during the XXXX Economic Collapse. It was determined that many banks and finance companies did not follow these required instructions and it appears my loan could be one of those loans because there is no way my loan balance would have almost doubled from XXXX to XXXX. I understand the bankruptcy would have increased my loan balance owed due to unpaid interest, late fees and unpaid Escrow Account to pay property taxes and homeowners insurance but there is no way it should have resulted in my new loan balance being {>= $1,000,000}. The only way this happens is because the loan still has/had an Interest Only and Neg-Am component along with unpaid interest, late fees and unpaid homeowner 's insurance and property taxes. 

My most recent Loan Modification was requested and denied on XX/XX/XXXX I believe it was based on my new loan balance of {>= $1,000,000} which makes it impossible for me to meet the DTI ratio requirement to qualify nor be able to make the new monthly payment. 
It is my understanding that you have the power to halt a foreclosure while its investigation is underway as well as force the lender to offer the Loan Modification relief that should have offered between XXXX XXXX which could include a very large principal reduction. Thank you
Consumer complaint received 2022-06-07
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. (IL)

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


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

15 UL.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 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 I called Citi Bank to get a refund of approx. {$1800.00}. which is a credit. I have called serval times since and today I was told that the transaction has still not been approved. I was told that it takes only a day or two for transaction to be approved.
Consumer complaint received 2022-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I received a credit collection notice stating I owe {$530.00} to XXXX XXXX insurance. They were the carrier for my homeowners insurance up until XX/XX/2022. My insurance was paid through my mortgage servicer ( XXXX ) for the year. I would like for them to fix this problem on their end. I switched my carrier to another insurance organization in XX/XX/2022. My insurance was current with XXXX XXXX and it is current with the carrier I am with.