davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (WV)

I was divorced on XX/XX/XXXX and my marital home ( mortgage in my name ) through Midfirst Bank Midland Mortgage was to be the responsibility of my ex-wife. She did not make mortgage payments for almost a year and Ive been trying to bring the account current since taking possession of the home early XXXX. 

Midfirst granted a loan modification, but adjusted the terms only to increase the loans duration, interest rate, and monthly payment.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, at XXXX XXXX, I received a text alert from Wells Fargo informing me of multiple withdrawals. I opened a new Wells Fargo business checking account under XXXX XXXX XXXX. I was supposed to receive a business debit card in one envelope and the pin in a separate envelope. I never received the items, however, it's also worth noting that my mailbox isn't secure and it's easy to take someone's mail without using a key. I called immediately when the incident occurred. Though the bank stopped the second and third withdrawal attempt, the suspect was able to takeout {$300.00} from their first withdrawal. I disputed the transaction, however, Wells Fargo denied my claim because the suspect had both pin and card. According to Wells Fargo that there's no way for anyone to steal these envelopes since they are mailed separately and that the only possibility is that either I did it or someone whom I knew did it. I requested to get a new card and pin, and I filed a police report to dispute their claim. And now I've come to CFPB to submit a formal complaint.
Consumer complaint received 2022-09-20
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX  XXXX : {$5100.00} XXXX  XXXX : $ XXXX XXXX : {$4600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-09-20
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: Affirm Holdings, Inc (IL)

I disputed a tradeline on my XXXX credit report from Affirm. I informed XXXX the account balance was incorrect and needs to be updated. Its been over 30 days since this account has been updated now. XXXX completed my dispute with incorrect information. On XX/XX/2022 XXXX stated Affirm informed them the balance is correct after I uploaded proof that balance was incorrect. XXXX did not update my account at all. Now I want this tradeline deleted from my report based on Fdcpa guidelines of incorrect reporting
Consumer complaint received 2022-09-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2022-09-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2022-09-20
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)

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2023-11-09
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. (LA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2022-09-20
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Consumer complaint received 2022-09-20
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX  XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-09-20
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX  XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2023-05-25
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 (TX)

XXXX have been with Wells Fargo for 20 years in XXXX I notice a savings account was open automatically I was charged for years monthly fees for not having enough in the account that I did not open they also had a practice of not depositing my checks at midnight so they could charge over draft fees for monthly automatic payments that came out on the XXXX or XXXX. Lately I had a establishment that charged me for a false purchase we settled the issue on the phone I did not file a claim but Wells Fargo took it upon themselves to create a claim put the money back and recharge me a month later saying they sent a letter by mail never informed me about it and because of that my account was overdraft and they charged me again. Im leaving Welks Fargo its a process since bearing with them for 20 years but they XXXX have taken over thousands of dollars from me with suspicious practices
Consumer complaint received 2022-09-20
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

I was victim to scam that led me to transfer {$1500.00} to XXXX XXXX on Zelle on Friday XX/XX/2022. I was given a check for {$1900.00} that turned out to be unverified. I was tricked into making another transfer of the rest of the money to another email that was not signed up with Zelle so I was able to cancel that transaction. However the initial one had already gone through and therefore is not recoverable outside of asking them to send it back. I called XXXX XXXXXXXX XXXX on Monday XX/XX/2022 to ask about the second transaction when they informed me that the email I had made the second transaction out to was already reported. They said that the most they can do is contact XXXX XXXX 's bank and ask for the money back. 

The scam was a job offer of being a student research assistant at my university. They had sent me the money to order my materials then told me to transfer it to a sales development representative.
Consumer complaint received 2022-10-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (TX)

It's EXPERIAN again, I reached out to XXXX XXXX XXXX regarding the Charge-off account and the Stature of Limitation of the XXXX Loan. XXXX XXXX XXXX send me a copy of the yhe entire payment history of the XXXX Loan which identified the amount of the loan from XXXX XXXX XX/XX/XXXX never changed. Experian on my last credit report I received in XXXX stated the amount of the monthly payment was reduce from the original monthly payment o {$400.00} to {$300.00} a month as of XX/XX/XXXX. Apparently Experian has decided to collect money for XXXX XXXX XXXX that XXXX has no authority to ask Experian to do according to the on going investigation being conducted by the California XXXX Attorney General XXXX XXXX XXXX. I asked the State Attorney General to investigate possible Fraud by Experian, since the Corporate office is located in XXXX XXXX, California. XXXX XXXX XXXX has denied asking Experian to collect money for them as a Collection Agency. XXXX has stated to me that the original loan was never re-finance for the monthly payments to be lowered from {$400.00} to {$300.00} as of XX/XX/XXXX. XXXX XXXX has stated if asked by the California State Attorney Genera Office has Experian ever been told to collect money, it will be denied by XXXX XXXX XXXX is responsible for selling the loan to a collection Agency and Experian is not a Collection Agency. I will know within the next 45 days what the outcome will be on the California State Attorney General decision. Since I have received the entire payment history from XXXX, I can proceed with legal action against Experian since their is no Collection Agency been assigned by XXXX to collect on a Closed Charge-off account Stature of Limitation has expired XXXX XXXX XXXX reported the loan as Charged-off and account closed. XXXX and XXXX has already removed he Charge-off from mu Credit File. According to XXXX XXXX XXXX has never asked Experian t to keep the account on my credit file beyond the 7 year Stature of Limitation which is against FCRA Policy.
Consumer complaint received 2022-09-20
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. (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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$7100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; 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 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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 2023-03-30
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: Experian Information Solutions Inc. (MA)

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.

XXXX XXXX # Account number : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  has violating my rights Account name : XXXX XXXX XXXX has violating my rights XXXXXXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 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
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (WI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (CA)

This is my six 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 Date opened XX/XX/XXXX Balance {$8100.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00} DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.