davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: EQUIFAX, INC. (IN)

On or about XX/XX/XXXX, EQUIFAX reported several late payments marked as past due on several accounts reporting on consumer 's EQUIFAX account. One of the accounts is XXXX ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted XXXX XXXX XXXX XXXX ( XXXX ) in regards to the late payments, in which I submitted a good will complaint via phone to XXXX XXXX XXXX XXXX to update the accuracy of the account, and to update the late payments to reflect paid on time. XXXX XXXX XXXX XXXX refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. EQUIFAX is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. EQUIFAX knows an account CAN NOT report XXXX days prior to 30. I have already informed EQUIFAX that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the XXXX XXXX data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that EQUIFAX is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that EQUIFAX is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Consumer complaint received 2022-05-03
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. (AL)

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 that a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-05-03
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. (AL)

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 that a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXt # XXXX 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 an account without my written instructions.
Consumer complaint received 2024-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I submitted a payment of {$1000.00} on XX/XX/year> for my Unsubsidized loan through Mohela on student aid.gov/mohela and the money was taken out on that date but hasn't hit my mohela account yet. It's been almost 2 months and my money is out of my account and not on my Mohela account on that loan. I paid it then because I didn't want interest to keep reoccurring and interest keeps building because it isn't on my loan. I've tried calling Mohela but wait times are over an hour every time.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NY)

I am writing to file a consumer complaint against Citibank. On XX/XX/XXXX, my Citibank accounts were hacked. {$39000.00} was stolen through wire transfers and {$5000.00} was stolen through XXXX transactions from my checking account. In addition, my Citibank credit cards were all declined for unknown reasons. I immediately called Citibank customer service the same day to shut down all my accounts and to report all unauthorized transactions. The next morning, I went to a local Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a new account and initiated an investigation to retrieve the stolen funds. 

For the next XXXX months, I called and emailed Citibank representatives on a regular basis to get updates and provided them with all the information I could to facilitate the investigation. Although Citibank credited the {$5000.00} XXXX fund back to my account on XX/XX/XXXX, the investigation of the unauthorized {$39000.00} wire transfer was slow and negligent. On XX/XX/XXXX, more than XXXX months into the investigation, I was told by Citibank fraud department that the team is missing an affidavit to complete the fraud report on the unauthorized {$39000.00} wire transactions. The investigation then continued for another XXXX months. On XX/XX/XXXX, Citibank fraud department declined the investigation and provided me with the following statement in letter : You did not take adequate steps to safeguard your account. This failure compromised the security of your account information and directly contributed to allowing the transactions in question to take place. 

The investigation and the reason provided by Citibank that led to the decision were extremely careless and inconclusive. Citibank fraud department blamed the victim for the incident instead of taking responsibility for failing to protect the clients assets and informations. When I asked Citibank fraud department for a detailed report that led to the outcome of the investigation, I was confronted with hostility and lack of adequate responses from Citibank representatives. I was told that no further information will be released unless I hired an attorney and filed a subpoena to request a detailed report of the investigation. 

I have a time log of all the phone calls, emails, and in-person visits I made to Citibank in the XXXX months to show that I was diligently working with the bank to retrieve the stolen funds. I hope the agency will look into the investigation and will bring resolution to my complaint against Citibank.
Consumer complaint received 2022-05-03
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my XXXX XXXX and needs to delete immediately : XXXX XXXX
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a late payment on an account that I was in fact paid on time .the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments Ive attached a copy of my report to this complaint on the following date XX/XX/scrub> 2023 Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment if this information can not be verified I demand these payable updates to paid on time immediately.thank you for your understanding and prompt action
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

N Accordance with the Fair Credit Reporting Act. These following accounts 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 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 2022-11-01
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Bank is yet to answer to my facts in which I been presenting over and over a note doesn't constitute a LOAN, A Mortgage is the collateral pledged for the loan please show me the PURCHASE MONEY LOAN CASH ADVANCE that Wells Fargo Bank provided to me to purchase XXXX XXXX XXXX XXXX NY XXXX WET INK! XXXX please stop conducting fraud on my Full Faith In Credit. I don't understand why the CFPB keep turning a blind eye to the facts instead of doing there job, Wells Fargo isn't a bank it's a FDIC member created for insurance purposes in stability of the central, it is not a federal reserve bank so why is this fraud allowed to continue.
Consumer complaint received 2022-09-09
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. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WA)

Hello - I called this morning for Edfinancial to get a request for my refund from the CARES act. After the process they stated they did not know when I would get my refund or when my balance will be reinstated, I find this extremely problematic as I wanted clear transparency from the company to give me a timeline that I can look forward to. I am aware that some other loan servicers have it reinstated after a week or two but I have no clear answer into when I will see this.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 i've disputed erroneous information on my credit report with Transunion. 
They failed to do a proper investigation. 
Account : XXXX  # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the payment history is innacurate, the date last active is inaccurate, and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
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: Experian Information Solutions Inc. (IN)

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 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX of XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2024-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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.

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 the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Check that was deposited on XX/XX/2023 for {$40.00} was returned on XXXXXXXX and deducted from my account ( Check # XXXX ). The same Check ( # XXXX ) was returned again on or about XX/XX/2023. It is an obvious bank error because the same return item was deducted twice from my account. I called Wells Fargo today and spoke to XXXX and XXXX in escalations. They filed a dispute and a complaint but was unable to resolve this obvious bank error.
Consumer complaint received 2024-10-23
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Dear Sir/Madam, I am writing to formally submit a complaint concerning a collection account that appears on my credit report, which I believe represents a violation of my consumer rights. Over the past XXXX months I have submitted several disputes to the consumer reporting agencies : Experian, XXXX and XXXX ; asking them to verify the inaccuracies and have received no response. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my rights are upheld, and that the collection account is corrected or removed if found to be inaccurate or in violation of consumer protection laws. They have failed to provide validation.