davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

address wrong:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 

accounts not mine XXXX XXXX XXXX  dept of ed/ XXXX  (all)
XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (all)
XXXX XXXX XXXX card
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

I changed homeowner insurance and uploaded the declarations page of my new policy to Wells Fargo on XX/XX/2022, I additionally had the insurance agent fax the declarations to Wells Fargo. I received confirmation from Wells Fargo that they recieved the policy. Wells Fargo has failed to recognize the policy and as of XX/XX/2022, sent additional mail saying they had no policy on file and that they would purchase a policy on my behalf with no acknowledgement of my existing policy. I uploaded the declarations page again again on XX/XX/2022 and called a representative who confirmed receiving it on both XX/XX/2022 and XX/XX/2022. I am submitting this claim in case Wells Fargo continues to purchase frivolous policies on my behalf.
Consumer complaint received 2022-07-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently submitted a request for an investigation of the disputed account, which Credit Bureaus claimed was verified. Since I believed they didnt properly investigate my dispute I contact the data furnisher on the previous month XX/XX/2022, via certified mail. They were responding proving to me that I was correct. XXXX, Equifax and XXXX records show that it was incorrect. Since their investigation was done improperly, I need the following accounts listed below to be updated in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
o XXXX XXXX XXXX Balance Owed : {$7900.00} o XXXX XXXX XXXX Balance Owed : {$12000.00} o XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-02
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. (SC)

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 2022-07-02
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. (IN)

Dear Credit Reporting Agency Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : U.S. DEPARTMENT OF EDUCATION -This still shows multiple instances and only one closed.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-28
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX : {$8100.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (MA)

The Chime credit builder card inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

Info on reporting and payments with Chime : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The Chime credit card payment due date is the XXXX of each month. 
3. The Chime payment date is the XXXX of every month. 
4. I add funds to my chime credit card and chime will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. Chime adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate Chime reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. Chime acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. 
Reason : Chime updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, Chime sent the Chime builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that Chime should have updated the balance on XX/XX/2021 to only be {$140.00}.
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (NY)

This is a formal dispute to update my personal information in my Equifax credit reporting file.I 'm requesting that my address be updated in Equifax reporting system. Enclosed with this dispute is all documents I faxed to Equifax on XX/XX/2022 along with fax confirmation proving Equifax received these documents.
Consumer complaint received 2022-06-22
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 XXXX XXXX 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 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MI)

Two new separate collection accounts have been added to my XXXX credit report in gross error. XXXX, and three other credit bureaus, are reporting in two separate new accounts that I owe XXXX XXXX {$790.00}. This is being reported by CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. XXXX XXXX XXXX. XXXX XXXX Account ID : XXXX, Client Number XXXX, their phone number, XXXX. This is the second or third time this account has been sold for collection. I disputed owing XXXX previously and won the dispute and the collection was taken off my account. I called and objected to collection by a previous collector on XX/XX/XXXX and filed an online dispute and won, on or about XX/XX/XXXX. No money was owed with my proofs of all returned equipment. 

I suffered from XXXX XXXX twice in XXXX and in XXXX. After I cancelled XXXX. I called to let them know my family and I were in lockdown quarantine and I could not leave the house to return the equipment as I could not drive, but as soon as possible once the mandatory Michigan lockdown was over I would be happy to return all. At the first opportunity I drove to the main distribution center and returned everything. EVERYTHING WAS RETURNED. I should not have to pay collections fees and costs and have my credit destroyed I worked so hard to keep current even in a pandemic with Covid! This is wrong and not a valid debt. Please make sure this is taken off all my credit bureau records. 
XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-11
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)

I am disturbed that the Credit Reporting Agencies, EQUIFAX, XXXX, and XXXX continue to list DISMISSED bankruptcies as VERIFIED within my credit file. The Fair Credit Reporting Act 15 U.S. Code 1681c - clearly states " from the date of entry of the order for relief or the date of adjudication ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, XXXX, XXXX, and XXXX have no right to maintain information which the government has deemed nonexistent. Please remove the below items : XXXX XXXX XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX XXXXXXXX XXXX XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (IL)

I requested validation of debt and company responded on XX/XX/2017 confirming that the debt could not be validated and would be deleted from my credit reports. Instead the company sold the debt and it now appears on my credit reports from a different collection company.
Consumer complaint received 2022-07-14
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. (IL)

Upon checking my Complaints # XXXX, XXXX, and XXXX, I found out that it was closed last XX/XX/XXXX. Again, it has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of unverifiable items found on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (NC)

I opened a regular checking account with money lion In XXXX of XXXX depositing {$200.00} into a checking account XX/XX/XXXX to be used as a credit builder boost account also. I decided to go a diffrent option to help my credit and with banking choice. I decided to close the money lion account in XXXX of XXXX, my deposit was refunded to me XX/XX/XXXX. I subsequently followed up with money lion to confirm my account closure through email on XX/XX/XXXX. The represenative informed me that this was due to a marketing venue even though the email specifically discussed my personal account. I had believed the closure went as planned until I got an email informing me to log into my account due to inactivity and to check in to the credit builder activity. I emailed money lion again to confirm that my account was closed, I got a reply email on XX/XX/XXXX confirming that my account was closed and inactive. Again, I believed that the issue was resolved until I got another email XX/XX/XXXX letting my know that my account was still open and inactive for XXXX  years encouraging me to log in and check my account activity and add funds to my account in the next 7 days from XX/XX/XXXX. I reached out again by phone to confirm closure and they assured me the account was completely closed and deactivated and my personal information had been removed. They promised to send me a formal paper letter in the mail giving me solid proof that my account has been closed, deactivated and discontinued. As of XX/XX/XXXX I have not recieved any documentation from money lion to clarify this issue. I have also been a victim of Identity Theft and Fraud to which I explained that I needed to have this documentation for my own Identity Protection.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

After checking the information that's being reported on my most recent credit report, I noticed two inaccurate late payments that are being reported on my credit report for my auto loan account which was never late. 

Santander Account # XXXX 60 Days Past Due ( XX/XX/2020 ) 30 Days Past Due ( XX/XX/2020 )
Consumer complaint received 2022-12-14
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: BARCLAYS BANK DELAWARE (CT)

On XX/XX/2022 my wallet was pickpocketed at XXXX in XXXX, XXXX Thieves immediately used my Barclay Credit Card to make a {$500.00} purchase at said XXXX XXXX I notified Barclay of the theft that day by phone to XXXX in customer service. I received a Barclay letter dated XX/XX/2022, attached. Subsequently I received a new card that was activated on XX/XX/2022. 
My XX/XX/2022 billing statement charged me for the {$500.00}. I called at XX/XX/2022 at XXXX, when customer service picked up they hung-up at XXXX. I called again and spoke with Relationship Manager XXXX XXXX her the XXXX Police case # XXXX. She transferred me to the Fraud Department at XXXX where I was again cut-off at XXXX. XXXX I called back speaking with XXXX in the Fraud Department , who informed me that the investigation was still on-going so the charge would not be removed until after they confirmed it was fraud. She insisted that I must pay the {$500.00} amount plus any interest or late charges due to that balance, even though it was still under investigation. 
I know better : payment would mean that I accept the theft amount as a XXXX XXXX purchase. 
XX/XX/2022 XXXX Police Department released their final report ( attached ). 
My XX/XX/2022 certified letter to Barclay ( attached ) explaining the theft with a copy of the police report and other attachments was received XX/XX/2022. 
My XX/XX/2022 billing statement still reflects the {$500.00} plus interest of {$11.00}. 
Now Barclay is telephoning and emailing at least every other day claiming I am past due, that I owe these charges, etc. 
XX/XX/2022 XXXX I spoke with XXXX, an Account Manager in the Debt Collection Department XXXX I explained the situation and asked for a contact number, name of a person, and address for Barclay Legal Department. He claimed there is no number ; no legal department. 
Hence, I am writing to CFPB for assistance.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to you as I have no any other choice. Somebody used my personal information and I do not know what to do now ... I saw my report and I got shocked. Can not understand what to do and I decided to write you guys. Those accounts are not mine and I do not recognize them I think its fraud and I am victim of Identity theft. Is there any investigation that you guys provide? I want to apply this investigation and that you can check as I do not want to have somebody else info in my own credit report also I wanted to apply for credit but I can not now since I have these accounts and since they damaged my score. I am very curious how come I have this misleading and I ask you to delete it please asap
Consumer complaint received 2022-11-19
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. (MT)

XXXX XXXX incorrect personal information and reported accounts on XXXX Equifax incorrect inquiry 's and multiple incorrect collect accounts. We have checked our system and have made clear that our email and name and address is updated so we need yours updated in Your system.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XX/XX/21 Pl. help me in urgent fashion with the issue with the credit reporting agency, Experian. 

I am in the process of refinancing my home loan and two lenders ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I s trying ta access my credit but they could not do so. 

After multiple attempt, I could not reach the Experian at by calling : XXXX, XXXX, XXXX, no one came to help and all options leads to a dead-end w/o any live person helping me. 

On XX/XX/21, I sent an express one-day USPS priory mail ( # XXXX  XXXX XXXX ) and the mail was delivered XXXX at XXXX  on XX/XX/21 as per USPS. The mail was sent with the Experian letter to unfreeze my credit signed by me on XX/XX/21 that came from my Experian logging telling me to send that letter with my ID & other proofs of my ID. I mailed the letter with my XXXX, my XXXX bill, XXXX acct statement copy and my SS ID copy as asked. 

Still, my credit freeze is not removed as requested as of if today, lenders are not able to get an access to my Experian credit report ( they did get the access to XXXX  & XXXX  but the lenders need all three credit reporting agencies report ). 

I am hindered and not able to go forward until the Experian removes my freeze as requested due to my past recurrent ID theft. 

Pl. help ASAP. Pl. send a letter to the Experian ASAP at their address on the letter attaching it & USPS proof of mail after your email me, the draft first for my review. The matter is urgent. 

Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX & Mailing Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX XX/XX/21
Consumer complaint received 2022-06-28
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. (MI)

XXXX XXXX reported my account 30 days late for XX/XX/2022. I was NOT 30 days late. I had a payment due of {$60.00} ( This is what my XXXX said was due ) on XX/XX/2022. I paid {$27.00} on XX/XX/XXXX & paid {$61.00} on XX/XX/XXXX = {$88.00}. That amount covers the {$60.00} XXXX XXXX informed me I owed. XXXX XXXX will claim that since another previous payment of {$2700.00} was returned the minimum payment for XX/XX/XXXX should have been {$92.00}. But I have no way to know this. XXXX XXXX should have updated the statement because on XX/XX/XXXX the online information also confirmed that {$60.00} was the minimum due. 

Also XXXX XXXX doubled my minimum payment for XX/XX/XXXX to {$160.00} FOR THESE REASONS XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO ALL XXXX CREDIT BUREAUS.