davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

In XXXX, 2021, I filed an FCRA request with Innovis to correct inaccurate information on my credit report. Innovis has been reporting for years that my account balance with XXXX XXXX XXXX is in dispute, when no dispute exists. I had previously been questioned about this while applying for a mortgage. 

Innovis responded that they verified the information as accurate. I subsequently requested a reinvestigation, and Innovis responded identically. I then requested a description of the verification procedure, and Innovis refused to provide one, in violation of Section 611 ( a ) ( 7 ). Innovis instead told me verbally that they relied upon information from XXXX XXXX XXXX, and I should request a letter from XXXX confirming my account status. 

Therefore, I contacted XXXX XXXX XXXX. XXXX denied knowledge of any current dispute. I requested a verification letter affirming this, and XXXX verbally agreed. XXXX then wrote a letter claiming that they couldn't provide any information about the alleged dispute on my credit report because it was reported through the credit reporting agency. 

Thus, both Innovis and XXXX are pointing fingers at each other, saying that they don't know anything about why my account balance is showing up as being in dispute. Additionally, Innovis has, without my consent, added a notation to my credit file indicating that I dispute that my account is in dispute.
Consumer complaint received 2021-04-08
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-06-13
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. (HI)

Submitted disputes with XXXX, Equifax and XXXX : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through identity theft.
Consumer complaint received 2019-05-31
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. (VA)

On XX/XX/XXXX Equifax produced a completion of an investigation. The Document sent states this " We have researched the collection account Account XXXX The results are : The Disputed item is not currently reporting on the Equifax credit file. If you have additional questions about this item please contact : Fair Collections & Outscour XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Phone XXXX XXXX XXXX " I challenge last payment date and and date of 1st delinquency as erroneous and inaccurate. 

Equifax also stated the same about another file that reads as such. " We have researched the collection account Account XXXX The results are : The Disputed item is not currently reporting on the Equifax credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Phone XXXX XXXX XXXX '' I Challenge all fields that are left blank or with a {$0.00} designation. Such as but not limited to Incorrect balance, ( Notice of deficiency deducted amount ), Scheduled payment amount, actual payment amount, date of last payment amount reported as XX/XX/XXXX, the account history with status codes does not match the reporting data of last payment and request all signature level documents stating both redemption and deficiency notices. ( I never received any type of documentation. 


When I checked my credit report both files still showed reporting. Both Files has missing information and also inaccurate information. 

On XX/XX/XXXX - I called Equifax to discuss the discrepancies. I gave the agent as well as the supervisor the confirmation # XXXX. They viewed the documents and told me that both files are still reporting. Although, I have documentations from Equifax stating that they both were removed.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX I am still yet to hear back from the other two bureaus XXXX and Equifax about this particular account. To avoid more irregularities and improper investigation or lack of, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

Errors and my comments about my dispute are highlighted in yellow on the pdf file that will be attached to this complaint. The pdf file is a part of a recent credit report pulled directly from myfico.com Date closed XX/XX/2019. A closed account can not have activities after the date it was closed. The last activity dates are not the same. More inaccuracies. 

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX Updates are not considered proper investigation. Remove this account immediately per 15 U.S. Code 1681s2 prohibits ( A ) Reporting information with actual knowledge of errors.
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. (GA)

In accordance with the Fair Credit Reporting act 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 2022-04-23
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. (TX)

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 a account without my written instructions
Consumer complaint received 2022-03-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIED MORTGAGE GROUP (MD)

I contacted XXXX XXXX and got a list of their recommended mortgage lenders. I spoke to a few companies and chose Allied Mortgage, as they offered the best terms. I followed all of their steps, completed all requested paperwork, and all of that was finished on XX/XX/2022. I hadnt heard anything for r at least three weeks, so I emailed the agent I first dealt with, as well as the person in underwriting. I was told they were still working on it. I expressed concern with having it resolved before XX/XX/XXXX, when the prime rate was raised. I emailed and called several times, but was told on XX/XX/XXXX that they would not give me the loan without a co-signer. I am a XXXX XXXX XXXX woman with excellent credit, and they valued my home at {$510000.00}. I was trying to borrow {$300000.00}. I was asked to provide {$11000.00} in savings, but sent proof in excess of {$45000.00}. They kept delaying this denial until it was too late for me to submit to another lender before the rates increased. I receive a state pension, as well as Social Security, so perhaps this is ageism. Waiting six weeks for an eventual denial indicates fraud, in my opinion.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY (MA)

I had contacted Wells Fargo regarding about my outstanding past due balance. I had contacted them to pay it and try to work with them on this payment but now they had place my car on repossess. They did not send me any notifications of my repossess since my last payment. Now, I have a towing company here to pick up my car. Wells Fargo is stating I am XXXX months behind when the last XXXX months, I did make a payment plus I did not get any notification by mail regarding this at all until now when a towing company shows up to my place and banging on the door. 

How is Wells Fargo going to charge off my auto loan without any notification the last XXXX months from them? I have not heard from them regarding about this charge off or repossession of my car at all from them within the last XXXX  months. Wells Fargo waited until XXXX months later to notify me with a towing company instead. How is this right? This is unacceptable. Wells Fargo is supposed to contact me or notify me by mail regarding this. Now they wont let me explain the situation and wont let me pay my outstanding past due balance to bring my account up to date. 

Wells Fargo did not properly notify a customer of charge off for the last XXXX  months on top of that they are stating my last payment was the beginning of 2024 which is incorrect. 

On top of that, I found out today ( XX/XX/year> ) they entered my information wrong.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (IL)

I settled the debt I owed to a collection agency via a rental home I owed on. They did not remove the account off my credit report like promised after I paid the balance. I still am unable to rent rental homes due to this collection still being on my account even though it was PAID. I checked with the original creditor and they have been paid and verified that as well. I need this collection marked as paid and removed so when my credit is ran by rental home companies I am able to be approved to rent. Please fix this is causing me to be XXXX with XXXX children because I can not get approved when this account is paid and old. Please assist.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I am a longstanding Citibank customer. There was fraudulent activity on my debit card/checking account today. While I was on phone for 90 MINUTES with Citibank fraud department, someone changed my banking password and entered four fraudulent XXXX transactions as well as a transfer out of my checking account. The Citibank fraud department cut off my access to account, but allowed several of the fraudulent transactions to go through. When I complained and told them to stop the XXXX transactions, I was told they could not stop them, and they had to be reviewed in 45 day fraud investigation. 

This is an outrageous security breach. Citibank personel were absolutely incompetent at getting to bottom of the problem and did nothing while fraudulent activity continued to be posted to my account.
Consumer complaint received 2022-05-05
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: CITIBANK, N.A. (TN)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

A collections debt was opened on my credit report XXXX from a debt collection company named Enhanced recovery COXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) phones number ( XXXX ) XXXX. Claiming I owed {$380.00} to XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) But, I have never had either company. I got the debt removed once before from my credit report due to it being a fraudulently attempt from this company to collect money from me. However, it keeps reappearing and disappearing from my report. Causing serious credit damage.
Consumer complaint received 2022-03-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I sold my Florida property on XX/XX/2022. The mortgage was serviced by XXXX XXXX XXXX XXXXNationstar Mortgage XXXX . I received the correct closing proceeds from the XXXX XXXXl title company the same day on XX/XX/2022. Several weeks later on XX/XX/2022 I received a bank wire to my checking account from XXXX XXXX for the amount of {XXXX}. I contacted XXXX XXXX on XX/XX/2022 to ensure this was correct. Per the attached memo the transaction was correct. I called XXXX XXXX XXXX XXXXNationstar Mortgage XXXX to verify as well. The mortgage company stated the transaction is correct and the funds were mines to keep. I emailed XXXX XXXX XXXX XXXXNationstar Mortgage XXXX XXXX XX/XX/2022 to address the issue and was given the same response to keep the funds. I followed up again XX/XX/2022 and received a response on XX/XX/2022 that they will review my account. Followed up again on XX/XX/2022 and the mortgage company stated to return the funds and did not provide details why to return the funds. I did not use any of the funds due to the nature of this issue.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

I changed the online bill pay system 's account to pay from on a Chase Car Loan. The old account that it was going to pull from was an account that was being closed because of a recent divorce. The account did not have enough money to cover the cost of the car payment. For some reason, the payment went through the old account and not the new one. Because of this the old account went negative ; now, when my exwife and I are trying to close the account, we owe money to the bank. I called Chase and was asked if I'd like to reverse the loan payment and make a new one. When I said yes, I was transferred to " XXXX ''. XXXX told me that there is nothing he can do. I asked if he was able to verify that the old account is no longer associated with the car loan in any way. He verified that to be the case. He acknowledged the account that the funds should have come from. But, in the end, he told me that there is nothing they could do. He admitted that the money did not come from the correct account. When I asked to speak to a supervisor, he informed me that he is the supervisor. I asked to speak to his supervisor and he told me that I can't. I'm not sure how this is acceptable.
Consumer complaint received 2022-06-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

XXXX XXXX XXXX Flagstar Mortgage Loan # XXXX Property- XXXX XXXX XXXX XXXX CO XXXX I did a mortgage modification XXXX XXXX with Flagstar after a Covid forbearance and I have been making the mortgage payments according to the modified loan that Flagstar sent me a copy of the Fully signed, notarized, and " fully executed '' Agreement dated XX/XX/XXXX ... I have made Seven months worth of payments but they refuse to apply it to the modified loan ... they will not update my online statements and they call me saying I owe a debt and to call back and when I do they tell me to call back in a couple weeks... and I have for seven months and now they do not respond to me at all ... I know my contract is legal but they just refuse to start applying my payments to it... Please help... XXXX XXXX XXXXXXXX Veteran XXXX XXXX
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hey, I was taken advantage of, due to malpractice, while several laws under the XXXX were being broken by your company. This is causing me financial injury, this is causing me defamation of character. I can't get a job, I can't apply for credit. I can't even be approved for pandemic based programs and this is hurting me deeply. Please look into it. Thank you!
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I notified the Equifax of inaccurate & non-compliant accounts as well as other errors being listed in my Consumer Reports generated by Equifax. After not receiving any correspondence from them, I notified them again of my concern of the previously mentioned violating accounts on XX/XX/2022, and I still have yet to receive any correspondence about their efforts to correct the errors and correct my consumer report. Not only is Equifax in violation because of the inaccurate and character defaming items reflecting on my Consumer report generated by them, but they have also ignored my rights as a consumer granted by the Fair Credit Reporting Act to correct any and all errors being reflected in my consumer reports. This issue has caused substantial financial restrictions making me unable to continue my pursuit of economic involvement as a member of society but has also caused a major blemish on my character and reputation.
Consumer complaint received 2022-01-13
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. (VA)

XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a Landlord to Tenants That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXX XXXX ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to XXXX XXXX XXXX XXXX and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week XXXX XXXX denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXX off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent Freedom Mortgage XXXX Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the XXXX XXXX XXXX XXXX is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( XXXX, at one point there was an escrow discrepancy, that Freedom Mortgage recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nathan & Nathan, P.C. (MS)

I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call XXXX bank but they would not help me. I have payed this account off and I want it removed from my credit report.
Consumer complaint received 2019-05-31
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. (MN)

Dear XXXX I had file Disputes with Transunion reporting agencies Transunion tells me that you verified the information on all Three accounts saying it is reporting correctly correct when you send that information back to Transunion One of you Guy 's are not changing the date if status This is a Violation of the FCRA Transunion tells me that it is your responsibility to this when you reply back via XXXX XXXX This is a violation of the and you could be fined or sued for {$1000.00} per account per bureau I have had to issues before with Transunion they claim they will get back to me in 60 days But 60 days comes and Go so I need to get to the bottom of this to find out which one of you are in violation of the FCRA please Both companies DO NOT SEND ME ANY LETTER VIA US MAIL RESPOND HERE ON THE CFPB SITE LETTING ME Know which one is causing the violation ...
Consumer complaint received 2022-03-30
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-30
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: U.S. BANCORP (FL)

Someone tried to get a credit card in my name that i didnt apply for and is showing up in my hard inquiries. US Bancorp on XX/XX/2021. Also another one from XXXX XXXX XXXX in 2021.