davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
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 have submitted a FTC report to Equifax and they have yet to remove the fraudulent accounts and inquiries from my consumer report. They have violated numerous sections of the FCRA. Equifax has violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 
I never gave Equifax written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to report this account. Equifax has not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax has not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If these accounts and inquiries is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
Consumer complaint received 2021-08-12
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: LEXISNEXIS (NV)

On XX/XX/XXXX I submitted a dispute to LexisNexis, I never received a letter from LexisNexis with the dispute resolution even that now is more than 30 days that I submitted the dispute to them. Per LexisNexis agents the Bankruptcy disputed was removed from my Consumer Report, but as I mentioned before I never received a letter from LexisNexis with the dispute resolution but I did received a Consumer Report and I was able to confirm that the Bankruptcy is not reported anymore. 
After I was able to confirm that the Bankruptcy was removed I opened a dispute with XXXX, XXXX and XXXX. 
On XX/XX/XXXX I received a notification from XXXX that the dispute was completed and I got the Report # XXXX with the following resolution to my dispute : Item : Remains The company that reported the information ( LexisNexis ) has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

This is the clause in XXXX Credit report about Public Records XXXX Public Records Information If your report contains public records, the Public Records section includes items from courts that XXXX may have obtained through a third party vendor, LexisNexis Risk XXXX XXXX XXXX You may contact them at LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visiXXXX XXXX XXXX XXXX 

LexisNexis and XXXX and playing games with the consumers, when I called LexisNexis about this situation they said that the public record ( bankruptcy ) was removed from my consumer report and is not longer been reported, and they also say that they don't report information to XXXX  and any other credit bureau. But when I call XXXX they say that LexisNexis is the one verifying and reporting the Bankruptcy to my XXXX Credit Report. 
I am attaching all the documents that I have to support this claim and/or complaint.
Consumer complaint received 2022-04-08
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. (NC)

In accotdance with the Fair Credit Reporting Act XXXX  account XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America is always putting fraud alerts on my account I'm having to drive an hour and a half every time to a Bank of America branch because there's currently no Bank of America 's in my area so identification to verify my identity they open the account once the account is open money gets handed over to the other people who are committing the fraud once I go Bank of America puts a fraud alert and request that I drive an hour and a half to verify identity they've done it four times already they're continuing to do it I'm asking something to be done about it
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX
Consumer complaint received 2023-03-29
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: Synovus Bank (CA)

I had an acct ending in # XXXX with First Progress Card. I submitted a payment to correct an erroneous past due situation which destroyed my credit rating. After having communicated my displeasure with their service and comment that it would take 3 months to get my deposit back I decided to close the account. The response to this closure was another massive hit to my XXXX Credit score ( XXXX points ). This need to be corrected immediately as it has already cost me dearly on a mortgage application.
Consumer complaint received 2021-10-14
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. (CA)

XXXX, Transunion and XXXX has been informed numerous times that this account was involved in identity theft. They are reporting this XXXX XXXX account on my credit report and it needs to be removed.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

WELLS FARGO CONTINUES TO CANCEL MY DEBIT CARD WITHOUT NOTIFYING ME. I HAVE HAD 4 DEBIT CARDS IN THE LAST YEAR. THE MOST RECENT INCIDENT WAS THE CARD WAS PUT ON HOLD OVER A PURCHASE OF SHOES AND THEN THE CARD WAS INADVERTENTLY LEFT AT THE POST OFFICE. SUPPOSEDLY A " GOOD SAMARITAN " CALLED TO REPORT THE CARD LOST. A NEW CARD WAS ISSUED AND WITHIN ONE WEEK I RECEIVED FRAUD CALLS FROM " SOCIAL SECURITY '', XXXX COUNTY JAIL AND OTHERS TRYING TO GET MY CARD INFORMATION. THERE WERE 2 FRAUDULENT CHARGES ON THE NEW CARD EVEN THOUGH I WAS IN POSSESSION OF IT. I BELIEVE THERE WAS A BREACH AT XXXX WHEN THEY ASKED ME TO UPDATE MY PAYMENT INFO. I GOT NO WHERE WITH XXXX. ALTHOUGH XXXX IS EXTREMELY CONCERNING, I AM MORE IRRITATED AT WELLS FARGO FOR NEVER CONTACTING ME OVER THESE ISSUES. I WILL NOTE THAT A MANAGE AT WELLS FARGO IN XXXX WI, XXXX XXXX, GAVE MY BANK ACCOUNT INFORMATION TO MY BROTHER XXXX XXXX IN 2016 WITHOUT MY PERMISSION
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I called Chase to request a loan payoff quote, valid for 45 days, for my primary mortgage. I was told that a work order had to be created, and I would receive the quote in 7 business days. On XX/XX/XXXX, after not receiving the payoff quote, I called Chase. I was told it was done, and that I should receive the payoff quote by XX/XX/XXXX. After not receiving it on the XXXX, I called again. This time I was told they had to send a work order. I then asked to receive it by email and was told that it would be requested. Four days later, on XX/XX/XXXX, after not receiving it by email, I called. I was then told they could not send it via email, but that it would be sent by regular mail. I was also told that I could go to a local Chase branch to have it printed out. I went to the Chase branch on XX/XX/XXXX, and a payoff quote was printed with a expiration date of XX/XX/2019 ... not the 45 days I requested. Furthermore, the payoff quote was incorrect as it reflected a PRA principal reduction amount that has been in forbearance for 6 years. Later that day, I called Chase to explain again that I needed a payoff quote valid for 45 days. I also explained that the PRA principle reduction amount in forbearance should be removed as my account has been in good standing for over 5 years. I was told I would be sent a new payoff quote, but the PRA forbearance amount would not be removed because my mortgage is not an FHA mortgage. I explained that according to the IRS an FHA mortgage is not required to have the forbearance amount reduced to XXXX after 3 years of keeping the account in good standing. I am still waiting to receive the payoff quote.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

Self Financial, Inc. Is in violation of the Fair Credit Reporting Act due to negligence on your behalf and failure to report accurate and updated information to the credit bureaus. You have failed to update my Self Credit Builder account. This account has not been updated to any of my consumer reports with either reporting agency, such as XXXX XXXX, and XXXX. The account shouldve been closed out on XX/XX/XXXX, and sent to each reporting agency. You have yet to send the reporting agencies anything about my account since XX/XX/XXXX. Within that time I made two ( 2 ) more payments on XX/XX/XXXX, I paid {$400.00} and interest payment of {$4.00}. Nothing has been updated and sent to the reporting agencies.
Consumer complaint received 2019-08-05
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. (TX)

Equifax has me listed as XXXX XXXX XXXX XXXX XXXX XXXX  transunion let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 XXXX XXXX  sent the application that was a business of mine i'm the ceo  never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race
Consumer complaint received 2019-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I am writing today because I am having an issue with a collection agency reporting data to my consumer credit file. I have asked for validation, be it documentation or other documents in compliance with my rights under FCRA. Twice I have asked and twice nothing is provided on this account. They stamp the file FCRA compliance and do nothing to comply. I have no knowledge of the item reported. I am asking assistance in forcing the reporting agency to comply with the law and if it fails to do so, as it has with me on multiple occasions to have the information removed from the 3 credit reporting agencies just as now they have placed it there.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-04-08
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX credit collection service 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. its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I have already contacted the original creditor and informed them of the identity fraud that I have been dealing with. Im not sure why this company is maliciously trying to collect a debt that isnt owed by me.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (MD)

I have been trying to refinance my loan away from Ally Financial, and they will not provide documents requested. Ally is either ignoring requests, or saying they do not have documents, such as a copy of the title, in which the sale completed 6 months ago. This is costing me money everyday, and coincidentally, is making them money by ignoring me. Ally is scamming it customers in connection with its business partner XXXX and not sending documents in a legal amount of time, neither company should be allow to continue scamming customers.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

Equifax has me listed as XXXX XXXX XXXX XXXX XXXX XXXX transunion let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 compass bank sent the application that was a business of mine i'm the ceo never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Formal Dispute Request for Removal of Incorrect Addresses, Names, and Employers I am writing to formally dispute incorrect information on my credit report related to my addresses, names, and employers. I have previously submitted disputes to correct this information, but my requests were ignored, and no action has been taken. As a result of your inaction, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to address your failure to comply with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to ensure the accuracy of the information you report. The following inaccuracies must be corrected immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Employers : XXXX XXXX FCRA Violations and My Rights According to Section 611 of the FCRA, you are required to investigate and resolve disputes within 30 days of receiving notice. If the information can not be verified, it must be corrected or deleted from my report promptly. Your failure to act on my previous disputes is a violation of this federal requirement.

Additionally, Section 607 ( b ) of the FCRA mandates that you maintain reasonable procedures to ensure maximum possible accuracy. The presence of inaccurate addresses, names, and employers reflects a breach of this duty.

Demand for Immediate Action and Penalties I demand that you : Immediately remove all incorrect addresses, names, and employers from my credit report.

Provide written confirmation of these corrections.

Ensure future inaccuracies are promptly addressed and corrected.

Apply all applicable penalties under the FCRA for failing to address these disputes properly and in a timely manner.

If the requested changes are not made within 14 days, I will pursue legal action for non-compliance and further escalate my complaint with the CFPB.

Thank you for your attention to this urgent matter. I expect written confirmation of the corrections within the specified timeframe.

I only have one Correct Address : XXXX XXXX XXXX XXXX XXXX, ohio, XXXX I only have one Correct Spelling of my name when applying for Credit i dont use my middle name : XXXX XXXX I Only have one correct employer : XXXX XXXX XXXX Sincerely, XXXX XXXX