davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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)

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/XXXX homeowners contacted their mortgage servicing company Loan Depot with the inquiry to take equity out of their current home to pay debts and add escrow account to loan. Licensed Lending Officer, XXXX XXXX stated he could help with the refinance and place debts on the home instead of taking money out. Homeowners stated they would only agree to a refinance if the payment was affordable and interest was not too high. 

Homeowners mortgage as of XX/XX/XXXX was $ XXXX/month ( not including escrow XXXX 3.375 %. 
Homeowners agreed to the following new terms $ 3,575.70/month ( including escrow XXXX 4.875 % in XX/XX/XXXX. Difference of {$1000.00}. 

Homeowners received an XXXX Account Disclosure Summary on or around XX/XX/XXXX. In the notice Loan Depot stated that there is a negative balance in the escrow account and a new payment of {$4200.00} is due as of XX/XX/XXXX. This would bring a difference of {$1600.00} from the XX/XX/XXXX loan. Homeowners would have not agreed to this deal as it was financially impossible based on income to debt ratio. Licensed Lending Officer, XXXX XXXX still " pushed this through '' ( via text ), with the knowledge that homeowners could not afford the {$4200.00} payment. 

On or around XX/XX/XXXX homeowner called Loan Depot and the representative stated, " Loan Depot estimates the escrow account and then modifies it later ''. 

Loan Depot and it's employees were aware of the correct property tax and insurance amounts. See attached closing docs : page XXXX, section F & G. Escrow estimate should have been closer to the figures stated on page XXXX. 

Loan Depot, XXXX XXXX ( Licensed Lending Officer ), XXXX XXXX ( Senior Account Manager ), and the underwriter intentionally and grossly understated the escrow account in order for homeowners to qualify and agree to the new mortgage amount. See page XXXX and XXXX.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2021 I received a fraud text alert from Synchrony bank ( GAP ) I said I did not make the purchases. ( I had the card in my possession the whole time. ) I then talked to Synchrony bank to cancel the card so no more charges would be made and verified my identity through the link they emailed me. They said to expect a new card in the mail. Within the next week I received a letter in the mail saying my request to increase my credit limit was denied. I did not make the request so I called the credit card company and was informed that my card was maxed out and XXXX was charged on XX/XX/2021. When I spoke to the fraud department that day- they realized that the original text I got was fraud- and they set it up to allow themselves to use my card without me knowing- because I thought that card number was canceled per the conversation I had on the XXXX. 19 out of 20 of the transactions were made at XXXX  ( all listing OR or WA locations ) and one was made at a XXXX XXXX in XXXX, WA. I live in ILLINOIS. They also tried to set up XXXX pay with the card and I have an XXXX  and do not use XXXX. I have gone back and forth with Synchrony bank every month since this happened on XX/XX/XXXX. Each month they provide a new reason why the fraud was being denied. I will attach those reasons below. I filed a police report and am waiting for the official report but will post my receipt. In the history of having this credit card I have never maxed it out or come anywhere close to it. I have a XXXX debit card I use for all XXXX purchases.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/21, my Wells Fargo Credit Card ending in XXXX had fraudulent charges from XXXX XXXX in XXXX XXXX. The first charge was for tickets in the amount of {$1700.00}. The second charge was for food vouchers in the amount of {$980.00}. I immediately called Well Fargo to report the charge and they closed my card ending in XXXX and issued a new card. On XX/XX/21 I received a voicemail from Wells Fargo to call them about my card that was closed. I immediately called back the number provided XXXX and spoke with a rep. She looked at my account and stated everything looked good and both charges are removed, account XXXX was closed and I verified I had no unauthorized charges on my new card. I few days later, I see the good voucher amount of {$980.00} posted back onto my new credit card and has a posting date of XX/XX/21 which I believe is incorrect due the the date I spoke with Well Fargo on XX/XX/21 and verified all charges and {$980.00} was not posted. I get a letter from Well Fargo stating they found the charge of {$980.00} to be valid. I have had Wells Fargo re open my case twice, asked for reasons they deemed food vouchers valid yet tickets purchased were identified as fraud. I have not received any paperwork showing their investigation and reasons. I have asked for a supervisor to call me and no return call. I recently opened a City of XXXX Police Report XXXX. I refuse to pay charges that I did not authorize. I feel Wells Fargo investigation department is not properly doing their research when they determine XXXX XXXX tickets were fraudulent, but food vouchers from XXXX XXXX are valid.
Consumer complaint received 2022-01-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have filed a dispute with Experian and regarding a creditor I do not owe, every time I dispute it, Experian come back with " The debt is accurate '', I have asked XXXX XXXX XXXX to validate the debt per the FDCPA and they refuse, so I have asked Experian since you feel that is it accurate, to please provide me with the information that XXXX XXXXXXXX XXXX provided to you, and Experian refuses to provide me with the information, I have disputed multiple times and now Experian seems to be working with them I called Experian yesterday to ask again since another disputed came back accurate, I ask to speak with a supervisor and the rep put me on hold for a while and came back and said that the supervisor was going to call me back, but no one called me back of course, XXXX XXXX XXXX is committing fraud, and Experian seems to be working with them? 
how can you not explain the debt per the FDCPA, Experian and XXXX XXXXXXXX XXXX are in violation
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX BANK Potentially negative Date opened0XX/XX/2015 Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-01-19
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. (FL)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX XXXX BREACH. 

This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union has not updated their credit report file of me. They report current loans as delinquent, ALL MY LOANS are current. They have my car loan with XXXX XXXX XXXX XXXX on file with no history, its exceptional. They have my personal loan with XXXX Bank on file with no history it is exceptional as well. They are not updating anything and when I reach out they tell me so get their XXXX $ monthly subscription to dispute. This is horrible and it has stopped me from purchasing a home, and now is interfering with me getting a rental home. They have contracts with some big housing LLCs here in XXXX, but their false reporting is causing me to remain XXXX. 

Compare my XXXX score and accounts to XXXX and Trans Union. ONLY XXXX is actually updated and tracking.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MN)

Chase ( Amazon Credit Card ) is refusing to re-open my dispute that I had with a company selling counterfeit items and not shipping all of the product advertised because it has been past 60 days. 

The transaction date of the purchase was XX/XX/21. 
I filed my original dispute with Chase against XXXX on XX/XX/21 because the product didn't arrive. 
I contacted XXXX that I wanted a refund as soon as the order arrived on XX/XX/XXXX because not all of the item was received and it was counterfeit. I waited to hear back from the company and did not receive any word so I filed another dispute with Chase on XX/XX/21. Chase would not dispute the charge because it had been 60 days even though it was out of my control.

I am requesting my {$440.00} back.

Below is the Order information : Seller : XXXX - ORDER # XXXX Order summary : XXXX Infant Car Seat Stroller with Base 1 Nitro Black {$390.00} Subtotal {$390.00} Shipping {$49.00} Taxes {$0.00} Total {$440.00} USD Shipping method Express Priority Tracked Shipping Payment method ending with XXXX {$440.00}
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just reviewed a copy of my credit report and found the following information to be an error. XXXX XXXX XXXX. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CT)

IN " WELLS FARGO '' TERMS AND CONDITIONS IT STATES THAT THEY WILL " NOT '' GIVE OUT MY INFORMATION WITHOUT MY PERMISSION, WHICH CONSTITUTES A VIOLATION OF THE PRIVACY ACT OF 1974. 

WELLS FARGO GAVE MY INFORMATION TO " XXXX XXXX XXXX '' WHICH IS A THIRD PARTY AND THEY DID SO WITHOUT MY CONSENT/PERMISSION. 

VIOLATION 15 USC 1681 PERMISSABLE PURPOSES
Consumer complaint received 2021-10-18
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. (GA)

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. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. They are in violation of the FCRA.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland Credit Management continues to send me mail demanding I pay {$4900.00} immediately or I will have a lawsuit filed against me. They say it is for a XXXX credit though Ive never used that in my life and on two occasions ( most recently being today XX/XX/2021 ) XXXX confirmed I have not and do not have credit with them. 

I even get regular offers to sign up for XXXX credit ~ which wouldnt happen if I had been sent to a collection agency for XXXX credit being unpaid... 

The MCM company continues to mail me the same document with threat of a lawsuit with the most recent being sent on XX/XX/2021 that I received in the mail on XX/XX/2021 with demand to pay by XX/XX/2021 or face legal action.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust bank, now becoming Truist, has frozen my savings and checking accounts and have given me no explanation. I have been to the bank and they tell me that I will be getting a letter about my account. 
My son had his account frozen because he is constantly overdrawn. He is a teenager and we are working on him and how to manage his money. My wife is on his account and she is on my account. All the bank will tell me is that my account is frozen, that they are severing their relationship with me and that I will get a letter. I have gotten nothing. I understand them closing my sons account but I have been a great customer, pay my credit card in full each month. I do not understand why they won't tell me what is going on.
Consumer complaint received 2021-10-18
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. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-10-20
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: Experian Information Solutions Inc. (TX)

Dear CFPB Team, I am writing to formally lodge a complaint against the credit reporting agencies, Experian, XXXX, and XXXX, for their ongoing violations of the Fair Credit Reporting Act ( FCRA ). It appears that these credit bureaus have decided to disregard the law due to their own greed, failing to provide accurate and complete information regarding my credit accounts, which constitutes a violation of Section 607 ( b ) of the FCRA.

Furthermore, I am requesting proof of any previous investigations conducted regarding my complaints. I would like to know the methods used in these investigations and request all records of communication with the lenders involved, including : 1.The contact information of the lenders ( name, address, and phone number ).

2.Documentation that substantiates any claims regarding late payments on my accounts.

Please provide this information within 10 days. If you are unable to furnish the requested documentation in this timeframe, I ask that my account be updated to reflect a status of PAID/LATE. 
Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX is the only bureau that is reporting as paid on time. 

EXPERIAN AND XXXX A REPORTING IT WRONG
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: RentDebt Automated Collections, LLC (TX)

I was evicted, an appealed the eviction XXXX week prior to going to court XXXX XXXX XXXX filed a motion for none suit, they also accepted about XXXX in texas rent relief payments although I had moved. When I asked for my deposit back I was told I had a balance for Breaking my lease an court cost an was told they were calling the police. I now have a balance on my credit I never seen before an also a warrant out for my arrest.